| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC (CO) | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | 150 JFK PARKWAY PO BOX 5002 SHORT HILLS, NJ 07078 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$5K | -$5K | -0.48% |
| IMA, INC.3 Filed as: IMA, INC (CO) | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | STARMOUNT LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE SUITE 300 CHICAGO, IL 60654 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 1.50% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $679 | — | $679 | 1.52% |
| IMA, INC.3 Filed as: IMA INC DBA IMA INSURANCE SERVICES | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$5 | — | -$5 | -0.01% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $319 | — | $319 | 1.51% |
| IMA, INC.3 Filed as: IMA INC DBA IMA INSURANCE SERVICES | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | 10000 MIDATLANTIC DRIVE SUITE 200 EAST MOUNT LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $1K | — | $1K | 5.85% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 168 | $1.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 130 | $86K |
| Vision | VISION SERVICE PLAN | 117 | $17K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $45K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $21K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.