| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.91% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $937 | $0 | $937 | 1.38% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $157 | $0 | $157 | 0.42% |
| JO ANNE ALLEN LLC3 Filed as: JO ANNE ALLEN, LLC | 6110 LAGOLONDRINA COURT WHITEWATER, CO 81527 | AFLAC | $2K | $159 | $2K | 10.40% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $1K | $107 | $1K | 5.22% |
| MYWHY LLC3 Filed as: MYWHY, LLC | PO BOX 276 WHITEWATER, CO 81527 | AFLAC | $687 | $31 | $718 | 3.06% |
| KEVIN BINKLEY3 | 645 EAST TOMAHAWK CIRCLE GRAND JUNCTION, CO 81504 | AFLAC | $608 | $0 | $608 | 2.59% |
| MANUEL A MADRID3 Filed as: MANUEL A. MADRID AND OTHER AGENTS | 4624 141ST LANE NE HAM LAKE, MN 55304 | AFLAC | $394 | $68 | $462 | 1.97% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING ALTERNATIVES INC | PO BOX 4443 GRAND JUNCTION, CO 81502 | AFLAC | $419 | $0 | $419 | 1.79% |
| AMY M BUCHANAN3 Filed as: AMY N. BUCHANAN | 348 SIR CHANDLER DRIVE KILL DEVIL HILLS, NC 27948 | AFLAC | $216 | $31 | $247 | 1.05% |
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 | 397 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 234 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $68K |
| Short-term disability | AFLAC | 34 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $68K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.