| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $7K | $20K | 18.13% |
| WATCHTOWER BENEFITS, LLC5 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORPORATION | $10K | $0 | $10K | 10.00% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $503 | $0 | $503 | 5.68% |
| LEXTOR CORPORATION3 | 600 WEST COUNTY LINE ROAD SUITE 15-202 HIGHLANDS RANCH, CO 80129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $469 | $0 | $469 | 5.30% |
| JENNIFER L FREEMAN3 Filed as: JENNIFER LEE FREEMAN | 4879 STREAMBED TRAIL PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288 | $0 | $288 | 3.25% |
| DAYTON LLC3 Filed as: DAYTON, LLC | 5445 DTC PARKWAY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | $0 | $221 | 2.50% |
| LINDSAY A LIJEWSKI3 Filed as: LINDSAY A. LIJEWSKI | 5894 EAST CALEY AVENUE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | $0 | $195 | 2.20% |
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 | 141 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 272 | $101K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 272 | $101K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $113K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $113K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.