| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | — | $68K | 3.65% |
| IMA, INC.3 Filed as: IMA,INC. | 1705 17TH ST STE 100 DENVER, CO 80202 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.32% |
| IMA, INC.3 Filed as: IMA,INC. | 1705 17TH ST STE 100 DENVER, CO 80202 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $667 | $6K | 17.00% |
| IMA, INC.3 Filed as: IMA,INC. | 1705 17TH ST STE 100 DENVER, CO 80202 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $682 | $4K | 15.96% |
| SOLOMONS, DAVID M3 Filed as: SOLOMONS, DAVID, MATTHEW | 125 EAST 87TH ST APT 15E NEW YORK, NY 10128 | FIRST UNUM LIFE INSURANCE COMPANY | $466 | — | $466 | 2.07% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 531 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 531 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 531 | $1.9M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 225 | $152K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 225 | $118K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 225 | $118K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 225 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.