| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOK FINANCIAL INSURANCE3 | 1600 BROADWAY 9TH FL DENVER, CO 80202 | HEALTH ADVANTAGE | $0 | $55K | $55K | 4.51% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC. | 1600 BROADWAY DENVER, CO 80202 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 9.28% |
| 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 | $4K | — | $4K | 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 INS INC. | 1600 BROADWAY 9TH FLOOR DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $339 | — | $339 | 10.00% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INSURANCE INC. | 1401 LAWRENCE ST. STE 1200 DENVER, CO 80202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $150 | — | $150 | 15.00% |
| IMG5 | 2960 NORTH MERIDIAN ST. INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $35 | $35 | 3.50% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 301 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 426 | $113K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 426 | $113K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $37K |
| Prescription drug | HEALTH ADVANTAGE | 301 | $1.2M |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.