| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF KANSAS, INC. | $13K | — | $13K | 7.00% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 12.91% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $9K | $9K | 5.18% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET SUITE 100 DENVER, CO 802021657 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.21% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 232 | $189K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 455 | $33K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $175K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $175K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.