| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 2.67% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 2.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $10K | — | $10K | 10.72% |
| IMA, INC.3 | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | — | $2K | 2.93% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $690 | — | $690 | 0.98% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $4K | $1K | $5K | 20.02% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 9903 E 150TH AVE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 9903 E 150TH AVE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $2K | $768 | $3K | 19.99% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $2K | $719 | $3K | 20.02% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 9903 E 150TH AVE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $3K | — | $3K | 20.00% |
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 | 721 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 138 | $897K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 1,300 | $91K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 536 | $319K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 536 | $319K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 536 | $319K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 138 | $897K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 536 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.