| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 555 17TH ST STE 2050 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 2.16% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 1.30% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 35371 NETWORK PL CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 0.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | P.O. BOX 7317 DALLAS, TX 75373 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $8K | — | $8K | 5.94% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH ST STE 100 DENVER, CO 80202 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $5K | — | $5K | 3.74% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $8K | $2K | $10K | 12.81% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 9903 E 150TH AVE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $9K | — | $9K | 12.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 555 17TH ST STE 2050 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $3K | $403 | $3K | 4.43% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $6K | $2K | $8K | 12.28% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 9903 E 150TH AVE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $7K | — | $7K | 10.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | 555 17TH ST STE 2050 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $3K | $365 | $3K | 4.92% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 9903 E 150TH AVE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $9K | — | $9K | 13.86% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $6K | $2K | $8K | 13.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 555 17TH ST STE 2050 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $2K | $293 | $2K | 3.99% |
| IMA, INC.3 | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC, INC | $542 | — | $542 | 1.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 SOUTH FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC, INC | $404 | — | $404 | 1.37% |
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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 127 | $953K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 1,907 | $139K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 833 | $735K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 833 | $735K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 833 | $735K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 127 | $953K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 833 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,907 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.