| 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 | $112K | $86K | $197K | 11.76% |
| IMA, INC.3 | P.O. BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $79K | — | $79K | 12.27% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 2.51% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 1.48% |
| 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 | 3.70% |
| IMA, INC.3 Filed as: IMA INC. | P. O. BOX 2992 WICHITA, KS 672012992 | METROPOLIATAN LIFE INSURANCE COMPANY | $18K | — | $18K | 12.40% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | METROPOLIATAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.47% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLIATAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.49% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 9903 E 150TH AVNEUE BRIGHTON, CO 80602 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 5.51% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. + IMA, INC. | 1705 17TH STREET, #100 DENVER, CO 80202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $301 | $6K | 4.64% |
| 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 | $2K | 1.52% |
| 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 | $504 | $508 | 0.37% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $251 | $251 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 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 | P. O. BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 12.78% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.41% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $908 | — | $908 | 1.52% |
| IMA, INC.3 Filed as: IMA INC-000 | P. O. BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 12.64% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | METROPOLITAN LIFE INSURANCE COMPANY | $315 | — | $315 | 2.47% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $193 | — | $193 | 1.51% |
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 | 1,007 | 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) | 1,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,235 | $853K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 981 | $1.7M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,235 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,235 | — |
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.