| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 7.73% |
| JOYCE BERGER3 | 3644 E. ELLSWORTH AVENUE DENVER, CO 12230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 1.49% |
| ERIC GRACE3 Filed as: ERIC L GRACE | 10041 GRANITE HILL DRIVE PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 1.22% |
| ALAN LECLAIRE3 Filed as: ALAN R LECLAIRE | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.88% |
| KRISTA K PRICE3 | 3864 S. QUINCE ST DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.85% |
| JEFFREY P PRICE3 | 3864 S. QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.84% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.27% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 8452 FREDERICKSBURG RD SAN ANTONIO, TX 78229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST STE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| KEN MAJOR3 | 30207 PIPERS LANE FARMINGTON HILLS, MI 48334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| MELISSA B BOYLE3 | 1201 E VILLA MARIA DR PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $950 | $950 | 17.00% |
| IMA, INC.3 Filed as: IMA INC. | 9393 W. 110TH ST. OVERLAND PARK, KS 66210 | ARAG INSURANCE COMPANY | $402 | — | $402 | 9.99% |
| IMA, INC.3 | 6200 LBJ FREEWAY SUITE 200 DALLAS, TX 75240 | SUN LIFE AND HEALTH INSURANCE COMPANY | $35 | — | $35 | 3.20% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 263 | $53K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 298 | $259K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 298 | $269K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 298 | $259K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 333 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.