| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 802021260 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 5.31% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 802021260 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 4.00% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 12.80% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.34% |
| WEALTH BEYOND MONEY, INC.3 | 6455 SOUTH YOSEMITE STREET SUITE 425 GREENWOOD VILLAGE, CO 80111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $137 | — | $137 | 0.21% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | METROPOLITAN LIFE INSURANCE COMPANY | $246 | — | $246 | 3.20% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 61 | $670K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $64K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $8K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $64K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.