| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 10.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $736 | $4K | 12.86% |
| KENDALL DUNLOP3 | 7730 STOCKWELL DR FREDERICKSBURG, VA 22407 | AFLAC | $1K | $81 | $1K | 6.21% |
| KAYTHRYN A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $774 | $37 | $811 | 3.97% |
| JANELL R FRANK3 | 17606 MAIN ST, STE 201 DUMFRIES, VA 22026 | AFLAC | $205 | $19 | $224 | 1.10% |
| ROGER CURTIS POWELL3 | 6698 LUCKY STAR LN COLORADO SPRINGS, CO 80923 | AFLAC | $221 | — | $221 | 1.08% |
| CYNTHIA MYER3 | 2211 W GRACE ST RICHMOND, VA 23220 | AFLAC | $208 | — | $208 | 1.02% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 3009 HUNTON COTTAGE LN GLEN ALLEN, VA 23059 | AFLAC | $185 | — | $185 | 0.90% |
| AIMEE STATON HARDY3 | 120 HUNTINGTON HILLS LN FREDERICKSBURG, VA 22401 | AFLAC | $177 | — | $177 | 0.87% |
| ELIZABETH HUNT3 | 13211 MOUNTAIN ASH CT WOODBRIDGE, VA 22192 | AFLAC | $150 | — | $150 | 0.73% |
| BOBBI MICHELLE BIRD3 | 727 BELLOWS AVE FREDERICKSBURG, VA 22405 | AFLAC | $127 | — | $127 | 0.62% |
| PETER JAMES SARANTIS3 | 26200 TOWN CENTER DR, STE 110 NOVI, MI 48375 | AFLAC | $47 | $18 | $65 | 0.32% |
| ALAN J ZUCCARI INC3 Filed as: ALAN ZUCCARI, INC. | 4100 MONUMENT CORNER DR, STE 500 FAIRFAX, VA 22030 | AFLAC | $47 | — | $47 | 0.23% |
| ROGER CURTIS POWELL3 | 5637 SHAMROCK HTS COLORADO SPRINGS, CO 80923 | AFLAC | $44 | — | $44 | 0.22% |
| JOANNE SMOOT3 Filed as: JOANNE S SMOOT | 13390 LYNDHURST DR FRISCO, TX 75035 | AFLAC | $26 | — | $26 | 0.13% |
| MICHAEL G OHM3 | 7556 CROSS GATE LN ALEXANDRIA, VA 22315 | AFLAC | $16 | — | $16 | 0.08% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DR SACRAMENTO, CA 95831 | AFLAC | $8 | — | $8 | 0.04% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.01% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $389 | $2K | 13.10% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $246 | $1K | 13.31% |
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 | 170 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 195 | $50K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 195 | $50K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $18K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.