| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 1.44% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 5.47% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $27K | 16.73% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $14K | 16.37% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $336 | $6K | 10.33% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $61 | $2K | 2.90% |
| INTERMEDIARY SOLUTIONS COMPANY3 | 1110 COGBURN COURT SHADY SHORES, TX 76208 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 26.75% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET DENVER, CO 80202 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 7.89% |
| MARCUS RICE DBA PHASE 4 SOLUTIONS3 | 506 NORTHWEST 18TH AVENUE CAPE CORAL, FL 33993 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $93 | — | $93 | 0.64% |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 780 | $1.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 780 | $1.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 335 | $338K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 335 | $256K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 780 | $1.5M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 780 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.