| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89K | $27K | $116K | 5.13% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | — | $62K | 2.76% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $10K | $25K | 2.88% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.06% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125K | $20K | $146K | 20.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 1.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC. | 29982 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $78 | $1K | 0.18% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $9K | $21K | 3.17% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.28% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $25K | — | $25K | 5.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 14614 N KIERLAND BLVD STE 15 SCOTTSDALE, AZ 85254 | VISION SERVICE PLAN | $21K | — | $21K | 4.12% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES, INC. | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $7K | — | $7K | 1.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVSHEALTH EIN 05-0340626 RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $14.0M |
| UHC (SUREST) EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $2.6M |
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $441K |
| DELTA DENTAL OF ARIZONA EIN 86-0274899 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $164K |
| WEX INC. EIN 01-0526993 FSA/COBRA ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $70K |
| ASSUREDPARTNERS OF ARIZONA EIN 36-4883819 BROKER | Other commissions Service code 55 | — | $0 |
| ASSUREDPARTNERS OF ARIZONA LLC BROKER | Insurance agents and brokers Service code 22 | 4544 E CAMP LOWELL DR TUSCON, AZ 85712 | $0 |
| IMA, INC. EIN 20-2557329 BROKER | Insurance agents and brokers; Other commissions Service code 22 | 1705 17TH ST DENVER, CO 80202 | $0 |
| IMA, INC. (SUREST) EIN 20-2557329 BROKER | Other commissions Service code 55 | — | $0 |
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 | 6,389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 407 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,199 | $501K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,389 | $2.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,030 | $859K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,082 | $1.5M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,874 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,874 | — |
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.