| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $90K | $909 | $91K | 2.72% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNION SECURITY INSURANCE COMPANY | $27K | $3K | $30K | 11.02% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $563 | $6K | 3.67% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $344 | $10K | 10.34% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $395 | $4K | 4.76% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $2K | — | $2K | 3.35% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $49 | $2K | 10.33% |
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 | 852 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 836 | $4.0M |
| Dental | UNION SECURITY INSURANCE COMPANY | 627 | $273K |
| Vision(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 634 | $333K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 852 | $100K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $89K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 851 | $171K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 851 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.