| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 0.80% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 5.96% |
| IMA, INC.3 | 6200 LBJ FWY STE 200 DALLAS, TX 75420 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $30K | $30K | 4.50% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 10.66% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 N BROADWAY, 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $361 | — | $361 | 0.66% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 29.29% |
| BOK FINANCIAL INSURANCE3 Filed as: BOK FINANCIAL INS INC | 1600 N BROADWAY, 9TH FLOOR DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.71% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $88 | $64 | $152 | 1.28% |
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 | 1,786 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,359 | $673K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,786 | $668K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,786 | $668K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,786 | $668K |
| Other(6 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,359 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,359 | — |
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.