| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $228K | — | $228K | 5.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | DELTA DENTAL OF WASHINGTON | $43K | — | $43K | 10.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 6.79% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $13K | $2K | $15K | 17.00% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 3.72% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $1K | — | $1K | 3.76% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $3K | $1K | $4K | 18.29% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 776 | $4.6M |
| Dental | DELTA DENTAL OF WASHINGTON | 806 | $435K |
| Vision | VISION SERVICE PLAN | 323 | $50K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 462 | $233K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 462 | $233K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 462 | $233K |
| Other(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 462 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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.