| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 802021260 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | — | $14K | 2.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 234662949 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $165 | $165 | 0.02% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 802021260 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | — | $13K | 2.37% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $40K | $3K | $42K | 12.05% |
| USI INSURANCE SERVICES LLC3 | P O BOX 66119 VIRGINIA BEACH, VA 23466 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | -$7K | — | -$7K | -1.89% |
| IMA, INC.3 Filed as: IMA INC | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $51K | — | $51K | 16.81% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS STE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | — | $474 | $474 | 0.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | -$2 | — | -$2 | -0.00% |
| OPTAVISE, LLC3 | 120 18TH STREET S BIRMINGHAM, AL 35233 | HARTFORD LIFE AND ACCIDENT | -$225 | — | -$225 | -0.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL LLC | 4370 LA JOLLA VILLAGE DR. SAN DIEGO, CA 92112 | MEDIEXCEL HEALTH PLAN | $5K | — | $5K | 3.39% |
| IMA, INC.3 Filed as: IMA, INC | 430 E. DOUGLAS AVE SUITE 400 WICHITA, KS 67202 | MEDIEXCEL HEALTH PLAN | $656 | — | $656 | 0.47% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 3.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | VISION SERVICE PLAN | $39 | — | $39 | 0.06% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 802021260 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 2.49% |
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 | 778 | 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) | 778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 81 | $1.4M |
| Dental(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 1,122 | $492K |
| Vision | VISION SERVICE PLAN | 646 | $66K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 766 | $305K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 766 | $305K |
| Prescription drug(3 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 81 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 766 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,122 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.