| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 14185 DALLAS PARKWAY STE 800 DALLAS, TX 75254 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $17K | — | $17K | 3.00% |
| IMA, INC.3 Filed as: IMA INC--AMY GOSWICK | 1705 17TH ST SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 10.02% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $992 | $4K | 13.34% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $445 | $445 | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $856 | $3K | 14.99% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $257 | $257 | 1.50% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $527 | $2K | 14.04% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $196 | $196 | 1.50% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE CO | $273 | $194 | $467 | 17.13% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE CO | $41 | — | $41 | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $152 | $152 | $304 | 19.96% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23 | $23 | 1.51% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP AGENCY | 55 5TH ST E STE 500 SAINT PAUL, MN 55101 | AMERITAS LIFE INSURANCE CORP. | $210 | — | $210 | 14.03% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST STE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP. | $105 | — | $105 | 7.01% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $134 | — | $134 | 9.97% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $76 | — | $76 | 9.84% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2 | — | $2 | 0.26% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5 | — | $5 | 9.43% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 76 | $562K |
| Dental | DELTA DENTAL OF MINNESOTA | 87 | $43K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 26 | $1K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 98 | $5K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 57 | $47K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $30K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.