| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $85K | — | $85K | 3.82% |
| LEAGUE CORP3 | 515 NORTH STATE STREET FLOOR 8 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 1.18% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | DELTA DENTAL OF WASHINGTON | $7K | — | $7K | 2.81% |
| LEAGUE CORP3 | 515 N STATES ST 8TH FLOOR CHICAGO, IL 60654 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 2.29% |
| LEAGUE CORP3 | 111 WEST ILLINOIS STREET CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.86% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $8K | $2K | $10K | 15.58% |
| LEAGUE CORP3 | 515 N STATE ST 8TH FLOOR CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $2K | — | $2K | 3.11% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $705 | — | $705 | 2.47% |
| LEAGUE CORP3 | 515 NORTH STATE STREET FLOOR 8 CHICAGO, IL 60654 | VISION SERVICE PLAN | $655 | — | $655 | 2.29% |
| LEAGUE CORP3 | 515 N STATE ST 8TH FLOOR CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $2K | — | $2K | 12.36% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 522 | $2.2M |
| Dental | DELTA DENTAL OF WASHINGTON | 525 | $244K |
| Vision | VISION SERVICE PLAN | 199 | $29K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 601 | $150K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 601 | $150K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 601 | $150K |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 601 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.
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.