| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC - DENVER | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 2.95% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 225 KENNETH DR ROCHESTER, NY 14623 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $3K | $20K | 1.22% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $1K | $6K | 13.42% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 225 KENNETH DR ROCHESTER, NY 14623 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $612 | $2K | 4.70% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 225 KENNETH DR ROCHESTER, NY 14623 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $430 | $257 | $687 | 4.10% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $201 | $43 | $244 | 1.45% |
| NEW CHARTERS LLC4 | PO BOX 8927 ELIZABETH, NJ 072010827 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $108 | — | $108 | 8.34% |
| DERIA WEBB4 | APT 403 130 PROSPECT ST EAST ORANGE, NJ 070172532 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $66 | — | $66 | 5.10% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $1.6M |
| Dental | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 38 | $17K |
| Vision | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 38 | $17K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 136 | $46K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 136 | $46K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 136 | $46K |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 136 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.