| 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 | — | $81K | $81K | 1.59% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $12K | $27K | 8.85% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $705 | $3K | 5.16% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.42% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DRIVE LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $257 | $1K | 2.31% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $760 | $80 | $840 | 1.31% |
| SALO FAM SOLUTIONS LLC3 | 5129 MT ARAPAHO CIR FREDERICK, CO 80504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.05% |
| MELISSA SALOMONSON3 | 5129 MT ARAPAHO CIR FREDERICK, CO 80504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.05% |
| TIMOTHY J REED3 Filed as: TIMOTHY REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| EDWARD JOSEPH CORBETT3 Filed as: EDWARD CORBETT | 6185 S PARIS STREET GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ROBERT N STRINGER3 Filed as: ROBERT STRINGER | 109 EASTSIDE DRIVE BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 13.19% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.08% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 13.52% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $390 | $116 | $506 | 12.98% |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 410 | $5.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $301K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 499 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $32K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 85 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 365 | $55K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 500 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.