| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FL DENVER, CO 80202 | HEALTH ADVANTAGE | — | $64K | $64K | 4.62% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 90202 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.94% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FL DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FL DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FL DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FL DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $389 | — | $389 | 14.98% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE. SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $54 | $54 | 2.08% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 387 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $132K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $132K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 368 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 364 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 367 | $46K |
| Prescription drug | HEALTH ADVANTAGE | 387 | $1.4M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 368 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.