| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET, #100 DENVER, CO 80202 | SYMETRA LIFE INSURANCE COMPANY | $98K | $29K | $127K | 11.70% |
| IMA, INC.3 | P. . BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | — | $63K | 14.34% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET, #100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $350 | $6K | 5.14% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $886 | $2K | 1.97% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $298 | — | $298 | 0.24% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $292 | $292 | 0.24% |
| CHIMIENTI & ASSOCIATES3 | 3400 W MINERAL KING AVE STE B VISALIA, CA 93291 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.00% |
| GOLD STAR INSURANCE SERVICES, LLC3 | PO BOX 2528 PASCO, WA 99302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.00% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET, #100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 5.48% |
| IMA, INC.3 Filed as: IMA INC. | P. O. BOX 2992 WICHITA, KS 672012992 | METROPOLIATAN LIFE INSURANCE COMPANY | $9K | — | $9K | 14.27% |
| IMA, INC.3 | P. O. BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.06% |
| IMA, INC.3 Filed as: IMA INC-000 | P. O. BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $120 | — | $120 | 1.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADVANTEK EIN 77-0382381 TPA | Plan Administrator Service code 14 | — | $260K |
| ANTHEM BLUE CROSS LIFE & HEALTH EIN 95-4331852 PPO | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | 3350 PEACHTREE ROAD P. O. BOX 30302-445 ATLANTA, GA 303261039 | $200K |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 PPO PANEL FEES | Other fees Service code 99 | — | $141K |
| ENVOLVE EIN 77-0578529 TPA | Plan Administrator Service code 14 | — | $40K |
| MULTIPLAN EIN 13-3068979 PPO REPRICING | Plan Administrator Service code 14 | — | $27K |
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 | 696 | 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) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 696 | $567K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 737 | $1.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 696 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.