| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 802021260 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $13K | $71K | 2.82% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 3.02% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $8K | 12.44% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $999 | $999 | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.76% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $585 | $585 | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $915 | $6K | 17.65% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $518 | $518 | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 30.45% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $395 | $395 | 1.50% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET, SUITE 100 DENVER, CO 802021657 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $486 | — | $486 | 3.08% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $353 | $395 | $748 | 5.30% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $212 | $212 | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $547 | $165 | $712 | 11.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 66054 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $97 | $97 | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $505 | $93 | $598 | 17.78% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $50 | $50 | 1.49% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 231 | $2.5M |
| Dental | DELTA DENTAL OF COLORADO | 271 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 255 | $16K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 231 | $44K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $67K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $39K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 413 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.