| 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 | $135K | $81K | $216K | 12.89% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVENUE, #3 CHICAGO, IL 60614 | SYMETRA LIFE INSURANCE COMPANY | — | $14K | $14K | 0.86% |
| IMA, INC.3 | P.O. BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $79K | $8K | $87K | 16.49% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.25% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET, #100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $8K | 4.56% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 9903 E 150TH AVNEUE BRIGHTON, CO 80602 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | — | $22K | 13.94% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. + IMA, INC. | 1705 17TH STREET, #100 DENVER, CO 80202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $1K | $17K | 10.84% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 401 S MOUNT JULIET STE 235 PMB 184 MT JULIET, TN 37076 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $2K | $2K | 1.06% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.81% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $919 | $919 | 0.59% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PKWAY ORLAND PARK, IL 60467 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 0.16% |
| GOLD STAR INSURANCE SERVICES, LLC3 | PO BOX 2528 PASCO, WA 99302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| IMA, INC.3 Filed as: IMA INC. | P. O. BOX 2992 WICHITA, KS 672012992 | METROPOLIATAN LIFE INSURANCE COMPANY | $17K | $1K | $18K | 16.07% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLIATAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.25% |
| IMA, INC.3 | P. O. BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $927 | $11K | 16.11% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $821 | — | $821 | 1.25% |
| IMA, INC.3 Filed as: IMA INC-000 | P. O. BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $142 | $2K | 16.07% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $146 | — | $146 | 1.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADVANTEK EIN 77-0382381 TPA | Plan Administrator Service code 14 | — | $298K |
| ANTHEM BLUE CROSS LIFE & HEALTH EIN 95-4331852 PPO NETWORK | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | 3350 PEACHTREE ROAD P. O. BOX 30302-445 ATLANTA, GA 303261039 | $269K |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 PPO PANEL FEES | Other fees Service code 99 | — | $219K |
| MULTIPLAN EIN 13-3068979 PPO REPRICING | Plan Administrator Service code 14 | — | $42K |
| RXBENEFITS, INC. EIN 63-1157085 TPA | Claims processing Service code 12 | 3700 COLONNADE PARKWAY, SUITE 600 BIRMINGHAM, AL 35243 | $13K |
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 | 993 | 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) | 996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,133 | $706K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,038 | $1.7M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,133 | $403K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,133 | — |
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.