| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 14221 DALLAS PKWY, SUITE 700 DALLAS, TX 75254 | SUN LIFE ASSURANCE COMPANY OF CANADA | $185K | — | $185K | 11.96% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $52K | $52K | 3.38% |
| IMA, INC.3 | P.O. BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $12K | — | $12K | 4.99% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | — | $17K | $17K | 8.97% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST, STE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 8.31% |
| IMA, INC.3 Filed as: IMA FINANCIAL GROUP | PO BOX 733835 DALLAS, TX 75373 | METLIFE LEGAL PLANS | $4K | — | $4K | 5.54% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | METLIFE LEGAL PLANS | $3K | — | $3K | 3.86% |
| IMA, INC.3 | 1550 17TH ST SUITE 600 DENVER, CO 80202 | METLIFE LEGAL PLANS | — | $739 | $739 | 0.95% |
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 | 2,527 | 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) | 2,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 0 | $103K |
| Vision | VISION SERVICE PLAN | 1,326 | $237K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,583 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,583 | $1.7M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,583 | $1.7M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,527 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,527 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.