| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC. Filed as: IMA INC | 1705 17TH ST SUITE 100 DENVER, CO 80202 | SYMETRA LIFE INSURANCE COMPANY | — | $42K | $42K | 4.79% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 3.54% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $668 | $3K | $4K | 3.79% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $440 | — | $440 | 0.40% |
| IMA, INC. Filed as: IMA INC. | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 3.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | 115 W WAUSAU AVE WAUSAU, WI 54401 | $142K |
| IMA INC EIN 26-3811485 CONSULTANT | Direct payment from the plan; Consulting fees Service code 50 | 1705 17TH ST DENVER, CO 80202 | $62K |
| COX, HOLSTED, & DIMICK CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | 3717 NW 63RD ST STE 100 OKLAHOMA CITY, OK 73116 | $27K |
| BRYAN, LITTLE, HALEY, & KENT PC EIN 73-0941849 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | 412 E 5TH ST BARTLESVILLE, OK 74003 | $17K |
| MCAFEE & TAFT EIN 73-0781676 ATTORNEY | Consulting fees; Direct payment from the plan; Legal Service code 29 | 211 N ROBINSON 10TH FL OKLAHOMA CITY, OK 73102 | $16K |
| RBC WEALTH MANAGEMENT INVESTMENT MANAGEMENT | Direct payment from the plan; Investment advisory (plan) Service code 27 | 100 CRESCENT COURT 1500 DALLAS, TX 75201 | $7K |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,384 | $348K |
| Vision | VISION SERVICE PLAN | 315 | $57K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 294 | $109K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 294 | $109K |
| Prescription drug | RXBENEFITS, INC. | 330 | $0 |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 312 | $867K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,384 | — |
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.