| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $74K | $74K | 1.54% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 5.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 9.19% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 7.93% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.49% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $535 | $2K | 2.90% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS, INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $203 | $1K | 1.76% |
| TIMOTHY J REED3 Filed as: TIMOTHY REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $30 | $106 | 0.14% |
| ROBERT N STRINGER3 Filed as: ROBERT STINGER | 109 EASTSIDE DRIVE BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.24% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $648 | — | $648 | 9.19% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 492 | $4.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 350 | $356K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 546 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 352 | $78K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $76K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 352 | $103K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 352 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.