| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | $5K | $65K | 4.30% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | $8K | $64K | 5.65% |
| IMA, INC.3 | 1705 17TH ST DENVER, CO 80202 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 9.80% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 6.94% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.35% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.50% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 7.86% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $397 | — | $397 | 1.50% |
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 | 240 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $2.7M |
| Dental | AETNA LIFE INSURANCE CO. | 395 | $159K |
| Vision | VISION SERVICE PLAN | 185 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 246 | $82K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 246 | $82K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 246 | $82K |
| Other | HARTFORD LIFE AND ACCIDENT | 246 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.