| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.58% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.70% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET #100 DENVER, CO 80202 | HARTFORD LIFE INSURANCE COMPANY | $19K | — | $19K | 13.84% |
| IMA, INC.3 | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $170 | $170 | 0.76% |
| IMA, INC.3 | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NEW YORK | — | $13 | $13 | 0.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Direct payment from the plan; Other fees Service code 50 | — | $424K |
| HEALTHCOMP, LLC. EIN 77-0385729 CONTRACT ADMIN | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $391K |
| DELTA DENTAL OF COLORADO EIN 83-4416613 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $46K |
| COMPSYCH EIN 36-3739783 ADMIN | Claims processing; Contract Administrator Service code 12 | — | $42K |
| WEX HEALTH INC. EIN 06-1593514 FSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $20K |
| RX BENEFITS, INC. EIN 63-1157085 RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $10K |
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 | 1,985 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 84 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,318 | $136K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,985 | $161K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,613 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 1,613 | $322K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,613 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,985 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.