| 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 | $171K | $92K | $263K | 13.83% |
| IMA, INC.3 Filed as: IMA INC | P.O. BOX 2992 WHICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $87K | $8K | $95K | 16.13% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 1.71% |
| IMA, INC.3 Filed as: IMA OF COLORADO INC | 1705 17TH STREET #100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | 4.35% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVENUE BRIGHTON, CO 80602 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 7.64% |
| IMA, INC.3 Filed as: IMA OF COLORADO INC + IMA INC | 1705 17TH STREET #100 DENVER, CO 80202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $532 | $9K | 6.16% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 401 S MOUNT JULIET STE 235 PMB 184 MT JULIET, TN 37076 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1K | $1K | 0.75% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.72% |
| ASSUREX3 | 175 S 3RD STREET SUITE 800 COLOMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $444 | $444 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $229 | — | $229 | 0.15% |
| GOLDSTAR INSURANCE SERVICES LLC3 | P.O. 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 WITCHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $2K | $21K | 15.83% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $329 | $2K | 1.70% |
| IMA, INC.3 Filed as: IMA INC | P.O. BOX 2992 WHICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 16.76% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $962 | $264 | $1K | 1.93% |
| IMA, INC.3 Filed as: IMA INC-000 | P.O. BOX 2992 WHICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $180 | $2K | 16.18% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $183 | $79 | $262 | 2.11% |
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 | 972 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,240 | $784K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,079 | $1.9M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,240 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,240 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.