| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $68K | $71K | 1.57% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $5K | $0 | $5K | 1.99% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $28K | $11K | $40K | 20.69% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $3K | $9K | 19.27% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $173 | $0 | $173 | 0.50% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 330 | $4.6M |
| Dental | DELTA DENTAL OF COLORADO | 537 | $259K |
| Vision | VISION SERVICE PLAN | 146 | $35K |
| Life insurance | STANDARD INSURANCE COMPANY | 200 | $193K |
| Short-term disability | STANDARD INSURANCE COMPANY | 200 | $193K |
| Long-term disability | STANDARD INSURANCE COMPANY | 200 | $193K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 330 | $4.6M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 200 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.