| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE | $63K | — | $63K | 7.09% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $4K | $45K | 22.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, STE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.23% |
| ASSUREX3 | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| IMA, INC.3 Filed as: IMA INC | 14221 NORTH DALLAS PARKWAY, #7 DALLAS, TX 75254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| STRATEGIC NON-MEDICAL SOLUTION3 | STE 17100, ONE BEACON ST BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| IMA, INC.3 | 14221 NORTH DALLAS PARKWAY, #7 DALLAS, TX 75254 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $337 | $2K | 13.91% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | STARMOUNT LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 20.75% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $765 | — | $765 | 14.99% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 140 | $889K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 128 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $204K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $204K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.