| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $71K | $3K | $74K | 4.71% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $320 | $9K | 8.28% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $9K | 24.23% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.99% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 25.08% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 25.89% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 20.77% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 N 19TH ST STE 150 TAMPA, FL 336055240 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $12 | $12K | — |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 N 19TH ST STE 150 TAMPA, FL 336055240 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $12 | $13K | — |
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 | 814 | 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) | 816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 307 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $111K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 436 | $26K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 689 | $53K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $24K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 689 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.