| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC. Filed as: IMA INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 5.69% |
| WATCH TOWER TECHNOLOGIES INC | DBA THREEFLO 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $38 | $38 | 0.01% |
| IMA, INC.3 | — | VISION SERVICE PLAN | $2K | — | $2K | 17.10% |
| RPM BENEFIT ADVISORS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $614 | $116 | $730 | 9.06% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | $37 | $334 | 4.14% |
| VOLUNTARY SOLUTIONS INC3 | 22 S GAY DR LONGMONT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $47 | $160 | 1.98% |
| KRISTEN ELISE RANDALL3 | 22 S GAY DR LONGMOUNT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 1.22% |
| DEAN SAILER3 | 820 CHAMBERS RD YORK, SC 29745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.77% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE INC | 4687 W 18TH ST GREELEY, CO 80634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.62% |
| SELECTIVE OPTIONS INC3 | 9720 E 151ST PL BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.21% |
| EDWARD JOSEPH CORBETT3 | 12545 S SOPRIS CREEK DR PARKER, CO 80134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| IMA, INC. Filed as: IMA INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $622 | $238 | $860 | 13.83% |
| WEALTH BEYOND MONEY, INC. Filed as: WEALTH BEYOND MONEY, INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.05% |
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 | 934 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 81 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 976 | $576K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 976 | $576K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 976 | $576K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 976 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.