| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 752542962 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $30K | $35K | 5.65% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE II, INC. | 15660 DALLAS PARKWAY SUITE 500 DALLAS, TX 752483354 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $660 | $15K | 2.35% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $733 | $293 | $1K | 7.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $236 | — | $236 | 1.61% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $274 | $2K | 15.24% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $223 | — | $223 | 1.63% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $1K | $55 | $1K | 15.75% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $121 | — | $121 | 1.64% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $136 | $1K | 17.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $110 | — | $110 | 1.62% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $955 | $78 | $1K | 19.64% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $11 | — | $11 | 0.21% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $623K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $623K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $623K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $21K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $14K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.