| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 802021622 | AMERITAS LIFE INSURANCE CORP. | $10K | $4K | $14K | 13.49% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 21.49% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $726 | $726 | 1.50% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.50% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $441 | $441 | 1.50% |
| IMA, INC.3 | P.O. BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 9.20% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 16.33% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $362 | $362 | 1.50% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $904 | $2K | 16.62% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $205 | $205 | 1.50% |
| LEXTOR CORPORATION3 | 600 WEST COUNTY LINE ROAD 15-202 HIGHLANDS RANCH, CO 80129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 165.47% |
| IMA, INC.3 Filed as: IMA INC. | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 151.88% |
| DAYTON LLC3 | 5445 DTC PARKWAY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $776 | — | $776 | 66.32% |
| LINDSAY A LIJEWSKI3 | 5894 E. CALEY AVE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $775 | — | $775 | 66.24% |
| JENNIFER L FREEMAN3 Filed as: JENNIFER LEE FREEMAN | 4879 STREAMBED TRL PARKER, CO 801345218 | CONTINENTAL AMERICAN INSURANCE COMPANY | $652 | — | $652 | 55.73% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBAL MEDICAL RESPONSE, INC. | 0 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORP. | 275 | $105K |
| Vision | VISION SERVICE PLAN | 108 | $26K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $48K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.