| 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 | $26K | $63K | $90K | 1.55% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.08% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 0.79% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | UNKNOWN BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $9K | 11.17% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $741 | $7K | 9.22% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS, LLC. | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $89 | $1K | 1.84% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS, INC. | 9720 EAST 151ST PLAZA BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $724 | $0 | $724 | 0.94% |
| CHRISTIAN KYLE STOUT3 | 26332 EAST ARCHER AVENUE AURORA, CO 80018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $47 | $126 | 0.16% |
| ROBERT N STRINGER3 Filed as: ROBERT N. STRINGER | 1214 GERRITS LANDING BRANDON, MS 39047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| COOK & ASSOCIATES INS BROKERS3 Filed as: COOK AND ASSOCIATES | 7009 SOUTH POTOMAC STREET CENTENNIAL, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.02% |
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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 387 | $5.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 387 | $5.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 414 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $160K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 142 | $77K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $160K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 387 | $5.8M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.