| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA OF COLORADO | 1550 17TH ST STE 600 DENVER, CO 802022432 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| VOLUNTARY SOLUTIONS INC Filed as: VOLUNTARY SOLUTIONS | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.61% |
| IMA, INC. Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.90% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $681 | — | $681 | 0.80% |
| RPM BENEFIT ADVISORS LLC Filed as: RPM BENEFIT ADVISORS | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $488 | — | $488 | 0.57% |
| DEAN SAILER | 3409 CONEFLOWER FT COLLINS, CO 80521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.07% |
| IMA, INC.3 Filed as: IMA OF COLORADO | PO BOX 2992 WICHITA, CO 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $260 | $260 | $520 | 0.67% |
| IMA, INC.3 Filed as: IMA OF COLORADO | PO BOX 2992 DENVER, CO 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56 | $56 | $112 | 0.62% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $87 | $87 | $174 | 1.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $185K |
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 | 815 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 815 | $796K |
| Dental | DELTA DENTAL OF COLORADO | 812 | $253K |
| Vision(2 contracts) | EYEMED VISION CARE | 640 | $32K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 337 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $78K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 815 | $796K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 815 | $796K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 337 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 815 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.