| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC-000 | 1550 17TH STREET SUITE 600 DENVER, CO 80202 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $24K | — | $24K | 3.96% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $4K | $12K | 6.92% |
| IMA, INC.3 Filed as: IMA INC-000 | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $734 | $5K | 8.76% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $894 | $4K | 19.14% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $611 | $3K | 18.53% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $629 | $3K | 18.64% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $688 | — | $688 | 9.37% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $823 | $176 | $999 | 15.49% |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 104 | $770K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $61K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 219 | $7K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 458 | $24K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 53 | $17K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 458 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.