| 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 | $65K | $21K | $86K | 8.76% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $22K | $46K | 6.62% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $8K | $64K | 16.94% |
| 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 | $23K | $1 | $23K | 6.17% |
| IMA, INC.3 Filed as: IMA - WALDMAN | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 3.59% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 13.16% |
| BEGLEY INSURANCE GROUP3 Filed as: BEGLEY INSURANCE COMPANY | 5225 OLD ORCHARD RD, STE 9 SKOKIE, IL 60077 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.64% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $856 | $2K | 10.03% |
| JAMES B BEGLEY3 | 5225 OLD ORCHARD RD, STE 9 SKOKIE, IL 60077 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $849 | — | $849 | 3.52% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $465 | $270 | $735 | 9.96% |
| JAMES B BEGLEY3 | 5225 OLD ORCHARD RD, STE 9 SKOKIE, IL 60077 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $273 | — | $273 | 3.70% |
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 | 6,751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10 | $173K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,023 | $221K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,296 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,352 | $720K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,352 | $768K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,334 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,334 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.