| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 14221 NORTH DALLAS PARKWAY DALLAS, TX 75254 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $130K | — | $130K | 0.80% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83K | $17K | $100K | 12.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 1.32% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $6K | $35K | 12.01% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.28% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $10K | $2K | $12K | 14.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $1K | — | $1K | 1.27% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $655 | $7K | 12.59% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS | 1421 COURT ST. UNIT F CLEARWATER, FL 33756 | COMBINED INSURANCE | $10K | — | $10K | 23.00% |
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 | 600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,587 | $16.3M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,587 | $16.3M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,587 | $16.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 602 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 602 | $833K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 602 | $833K |
| Other(6 contracts, 4 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,587 | $17.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,587 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.