| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $9K | — | $9K | 2.98% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 15.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 4.13% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH ST REDMOND, WA 98052 | LIFESECURE INSURANCE COMPANY | $5K | — | $5K | 15.93% |
| LOGAN JACK HERRING-STEGELMEIER3 Filed as: LOGAN HERRING-STEGELMEIER | 110 N 4600 E RIGBY, ID 83442 | AFLAC | $2K | $22 | $2K | 8.08% |
| ADAM KORTH3 | P.O. BOX 1 MENAN, ID 83434 | AFLAC | $2K | $14 | $2K | 5.78% |
| BRANDON JAROM DAW3 Filed as: BRANDON DAW | 665 S WOODRUFF AVE IDAHO FALLS, ID 83401 | AFLAC | $543 | $7 | $550 | 2.01% |
| DAWN D SHEUE3 Filed as: DAWN SHEUE | P.O. BOX 3986 JACKSON, WY 83001 | AFLAC | $424 | — | $424 | 1.55% |
| ADAM E SHEUE3 Filed as: ADAM SHEUE | P.O. BOX 3986 JACKSON, WY 83001 | AFLAC | $149 | — | $149 | 0.54% |
| THOMAS E SHEUE3 Filed as: THOMAS SHEUE | P.O. BOX 3986 JACKSON, WY 83001 | AFLAC | $121 | — | $121 | 0.44% |
| BRENDEN CRAFT3 | 3790 N BALDWIN AVE IDAHO FALLS, ID 83401 | AFLAC | $68 | — | $68 | 0.25% |
| GREGORY G WAY3 Filed as: GREGORY WAY | 1828 SHADOW CREEK DR. CASTLE ROCK, CO 80104 | AFLAC | $57 | — | $57 | 0.21% |
| MJ INSURANCE3 Filed as: FLIKKEMA INSURANE, INC. | 7175 CHURCHILL RD. MANHATTAN, MT 59741 | AFLAC | $35 | — | $35 | 0.13% |
| DEANNA CHRISTENSEN3 | P.O. BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $33 | — | $33 | 0.12% |
| J THEIS & ASSOC INC3 Filed as: J. THEIS & ASSOC., INC. | 505 ROUNDHOUSE DR. LAUREL, MT 59044 | AFLAC | $31 | — | $31 | 0.11% |
| SHAWN D SYVERSON3 Filed as: SHAWN SYVERSON | 1283 N 14TH AVE STE 103 BOZEMAN, MT 59715 | AFLAC | $29 | — | $29 | 0.11% |
| MATTHEW JAMES BARRINGER3 Filed as: MATTHEW BARRINGER | 10672 W ALLIANCE ST. BOISE, ID 83713 | AFLAC | $27 | — | $27 | 0.10% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS. AGENCY, INC. | 8055 E TUFTS AVE STE 100 DENVER, CO 80237 | AFLAC | $26 | — | $26 | 0.09% |
| KYLE D SULLIVAN3 Filed as: KYLE SULLIVAN | P.O. BOX 2290 MILLS, WY 82644 | AFLAC | $22 | — | $22 | 0.08% |
| PHILIP FLIKKEMA3 | 7175 CHURCHILL RD STE A MANHATTAN, MT 59741 | AFLAC | $19 | — | $19 | 0.07% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $19 | — | $19 | 0.07% |
| REXFORD HARRISON3 | P.O. BOX 1 RIGBY, ID 83442 | AFLAC | $15 | — | $15 | 0.05% |
| CARLA A MCENTIRE3 Filed as: CARLA MCENTIRE | 81 8TH ST. STE 12 BELGRADE, MT 59714 | AFLAC | $14 | — | $14 | 0.05% |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 1501 LYNDON B. JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $13 | — | $13 | 0.05% |
| THE HORTON GROUP3 Filed as: ROCHELLE HORTON LUND | 3125 E 49TH N IDAHO FALLS, ID 83401 | AFLAC | $13 | — | $13 | 0.05% |
| VINCENT CHARLES MCDOWELL3 Filed as: VINCENT MCDOWELL | 5290 E 3610 N MURTAUGH, ID 83344 | AFLAC | $12 | — | $12 | 0.04% |
| LISA HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $11 | — | $11 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 550 N POPLAR ST STE 200 A CASPER, WY 82601 | AFLAC | $10 | — | $10 | 0.04% |
| DENNIS HANSEN3 | 210 HAMPTON LN IDAHO FALLS, ID 83404 | AFLAC | $9 | — | $9 | 0.03% |
| ALAN LECLAIRE3 | 28 GEORGE TOWN FORT MYERS, FL 33919 | AFLAC | $8 | — | $8 | 0.03% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $7 | — | $7 | 0.03% |
| MATTHEW SMITH3 | 8404 SW 59TH TER OCALA, FL 34476 | AFLAC | $7 | — | $7 | 0.03% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $4 | — | $4 | 0.01% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $2 | — | $2 | 0.01% |
| JONATHAN KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| KIEFER GROUP INSURANCE AGCY LLC3 Filed as: KIEFER GROUP INSURANCE AGCY, LLC | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $1 | — | $1 | 0.00% |
| CASEY DALE HOBSON3 Filed as: CASEY HOBSON | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $1 | — | $1 | 0.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $704 | — | $704 | 10.00% |
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 | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 299 | $307K |
| Vision | VISION SERVICE PLAN | 255 | $41K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 362 | $115K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $153K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 340 | $51K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 362 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.