| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 802021657 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $112K | $2K | $114K | 12.43% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 802021657 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 9.42% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.27% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 802021657 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 802021657 | EYEMED VISION CARE | $4K | — | $4K | 10.01% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 802021657 | HARTFORD LIFE AND ACCIDENT | $3K | $106 | $3K | 15.47% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 802021657 | UNITED DENTAL CARE OF COLORADO INC | $907 | — | $907 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 | Claims processing Service code 12 | 1000 GREAT WEST DRIVE KENNETT, MO 63857 | $89K |
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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 560 | $917K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 343 | $235K |
| Vision | EYEMED VISION CARE | 605 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 458 | $258K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $23K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 458 | $258K |
| Other | COMPSYCH | 230 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.