| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA OF COLORADO INC. | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $760 | $760 | 2.00% |
| IMA, INC.3 Filed as: IMA OF COLORADO INC. | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $625 | $625 | 2.00% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING ALTERNATIVES INC | 315 NORTH 7TH ST GRAND JUNCTION, CO 81501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.33% |
| JO ANNE ALLEN LLC3 Filed as: JO ANNE ALLEN | 6110 LAGOLONDRINA COURT WHITEWATER, CO 81527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $633 | — | $633 | 2.42% |
| LARRY EARLY3 | 879 WAGON WHEEL LANE GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | — | $447 | 1.71% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN (JOSH) S KIRKLAND | 4245 MILGEN RD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.37% |
| AMY M BUCHANAN3 | 2277 WEST 3RD AVENUE DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.36% |
| MANNY AM LLC3 | 1048 INDEPENDENT AVE SUITE 207A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.24% |
| TINA WAY3 Filed as: TINA R WAY | 155 IVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.15% |
| CYNTHIA MYER3 Filed as: CYNTHIA A MYER | 2333 CR 250 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.14% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.06% |
| SAMANTHA J MORBY3 | 558 CICERO DR. PALISADE, CO 81526 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| JEFFREY K HAWKINS3 | 24005 POINDEXTER RD LEES SUMMIT, MO 64086 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
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 | 527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 422 | $139K |
| Vision | VISION SERVICE PLAN | 213 | $41K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 531 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 531 | $31K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 558 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.