| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $8K | — | $8K | 2.98% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $3K | $20K | 17.23% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $10K | 17.43% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $849 | $7K | 17.07% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 4.11% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $591 | $3K | 12.17% |
| LOGAN JACK HERRING-STEGELMEIER3 | 110 N 4600 E RIGBY, ID 83442 | AFLAC | $796 | $123 | $919 | 4.11% |
| ADAM KORTH3 Filed as: ADAM DAVID KORTH | P.O. BOX 1 MENAN, ID 83434 | AFLAC | $623 | $81 | $704 | 3.15% |
| BRANDON JAROM DAW3 | 3319 CHASEWOOD DRIVE AMMON, ID 83406 | AFLAC | $241 | $41 | $282 | 1.26% |
| DAWN D SHEUE3 | P.O. BOX 3986 JACKSON, WY 83001 | AFLAC | $279 | — | $279 | 1.25% |
| ADAM E SHEUE3 | P.O. BOX 3986 JACKSON, WY 83001 | AFLAC | $134 | — | $134 | 0.60% |
| THOMAS E SHEUE3 | P.O. BOX 3986 JACKSON, WY 83001 | AFLAC | $109 | — | $109 | 0.49% |
| MJ INSURANCE3 Filed as: FLIKKEMA INSURANE, INC. | 7175 CHURCHILL RD. MANHATTAN, MT 59741 | AFLAC | $60 | — | $60 | 0.27% |
| SHAWN D SYVERSON3 | 1283 N 14TH AVE STE 103 BOZEMAN, MT 59715 | AFLAC | $50 | — | $50 | 0.22% |
| BRENDEN CRAFT3 | 3790 N BALDWIN AVE IDAHO FALLS, ID 83401 | AFLAC | $38 | — | $38 | 0.17% |
| PHILIP FLIKKEMA3 | 7175 CHURCHILL RD STE A MANHATTAN, MT 59741 | AFLAC | $33 | — | $33 | 0.15% |
| DEANNA CHRISTENSEN3 | P.O. BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $29 | — | $29 | 0.13% |
| MATTHEW JAMES BARRINGER3 | 10672 W ALLIANCE ST. BOISE, ID 83713 | AFLAC | $28 | — | $28 | 0.13% |
| J THEIS & ASSOC INC3 Filed as: J. THEIS & ASSOC., INC. | 505 ROUNDHOUSE DR. LAUREL, MT 59044 | AFLAC | $27 | — | $27 | 0.12% |
| CARLA A MCENTIRE3 Filed as: CARLA MCENTIRE | 81 8TH ST. STE 12 BELGRADE, MT 59714 | AFLAC | $24 | — | $24 | 0.11% |
| KYLE D SULLIVAN3 | P.O. BOX 2290 MILLS, WY 82644 | AFLAC | $20 | — | $20 | 0.09% |
| GREGORY G WAY3 Filed as: GREGORY WAY | 1828 SHADOW CREEK DR. CASTLE ROCK, CO 80104 | AFLAC | $16 | — | $16 | 0.07% |
| VINCENT CHARLES MCDOWELL3 | 5290 E 3610 N MURTAUGH, ID 83344 | AFLAC | $13 | — | $13 | 0.06% |
| MARCO JOE KLIMEK3 | 5729 E 3610 N STE 144590 FRISCO, TX 75034 | AFLAC | $12 | — | $12 | 0.05% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $12 | — | $12 | 0.05% |
| 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% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS. AGENCY, INC. | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | AFLAC | $7 | — | $7 | 0.03% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $7 | — | $7 | 0.03% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $5 | — | $5 | 0.02% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $4 | — | $4 | 0.02% |
| REXFORD HARRISON3 | P.O. BOX 1 RIGBY, ID 83442 | AFLAC | $2 | — | $2 | 0.01% |
| ALAN LECLAIRE3 | 1410 SE 12TH TER CAPE CORAL, FL 33990 | AFLAC | $2 | — | $2 | 0.01% |
| MATTHEW SMITH3 | 8404 SW 59TH TER OCALA, FL 34476 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $2 | — | $2 | 0.01% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.00% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $1 | — | $1 | 0.00% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH ST REDMOND, WA 98052 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 15.51% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $208 | $2K | 16.87% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $545 | $118 | $663 | 12.16% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 255 | $277K |
| Vision | VISION SERVICE PLAN | 225 | $38K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 304 | $83K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 393 | $114K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 285 | $41K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 304 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.