| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | DELTA DENTAL OF ARIZONA | $11K | — | $11K | 1.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $27K | $82K | 11.17% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $25K | $40K | 6.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $1K | $65K | 18.25% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 4.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | DELTA DENTAL OF ARIZONA | $2K | — | $2K | 1.00% |
| IMA, INC.3 Filed as: IMA - WALDMAN | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 7800 FORSYTH BLVD STE. 830 ST. LOUIS, MO 63105 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 0.93% |
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 | 4,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF ARIZONA | 1,936 | $1.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,049 | $168K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,616 | $732K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,392 | $601K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,392 | $601K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,043 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,043 | — |
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.