| 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 | $16K | $0 | $16K | 3.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENTVER, CO 80202 | BLUECROSS BLUESHIELD OF MINNESOTA | $5K | $0 | $5K | 2.38% |
| IMA, INC.3 Filed as: IMA INC--AMY GOSWICK | 1705 17TH ST SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF MINNESOTA | $6K | $0 | $6K | 9.71% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $668 | $4K | 12.07% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $484 | $484 | 1.50% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 2734 NORTH MILDRED AVE. #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $280 | $280 | 1.24% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $386 | $2K | 12.26% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $256 | $256 | 1.50% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 2734 NORTH MILDRED AVE. #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $207 | $207 | 1.26% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $293 | $1K | 12.70% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $163 | $163 | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE CO | $322 | $61 | $383 | 11.91% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE CO | $0 | $48 | $48 | 1.49% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH ST STE 100 DENVER, CO 80202 | EYEMED VISION CARE | $339 | $0 | $339 | 11.07% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $187 | $0 | $187 | 9.97% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 2734 NORTH MILDRED AVE. #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $25 | $25 | 1.33% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $149 | $34 | $183 | 12.28% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $22 | $22 | 1.48% |
| GCG FINANCIAL LLC3 Filed as: DIRECT BENEFITS AN ALERA GROUP | 7900 INTERNATIONAL DR STE 1040 BLOOMINGTON, MN 55425 | AMERITAS LIFE INSURANCE CORP. | $179 | $0 | $179 | 14.02% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP. | $89 | $0 | $89 | 6.97% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $92 | $0 | $92 | 10.01% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $12 | $12 | 1.31% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7 | $0 | $7 | 9.59% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 2734 NORTH MILDRED AVE.#3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1 | $1 | 1.37% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 63 | $726K |
| Dental | DELTA DENTAL OF MINNESOTA | 25 | $59K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 75 | $4K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 101 | $6K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 54 | $55K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $33K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.