| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES D | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | PRINCIPAL LIFE INSURANCE COMPANY | -$1K | — | -$1K | -1.05% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 501 OFFICE CENTER DRIVE SUITE 215 FT. WASHINGTON, PA 19034 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $344 | — | $344 | 2.07% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $186 | — | $186 | 1.12% |
| ROGERS BENEFIT GROUP INC3 Filed as: MELINDA ROGERS | PO BOX 853 GEORGETOWN, CO 80444 | PRE-PAID LEGAL SERVICES INC LLC DBA LEGALSHIELD | $502 | — | $502 | 11.58% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SER | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | PRE-PAID LEGAL SERVICES INC LLC DBA LEGALSHIELD | $265 | — | $265 | 6.11% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | PRE-PAID LEGAL SERVICES INC LLC DBA LEGALSHIELD | $50 | — | $50 | 1.15% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 2.28% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 2.15% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 1.48% |
| SELECTIVE OPTIONS INC3 | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 1.01% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 111 | $90K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 173 | $17K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $104K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $104K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $104K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.