| 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 | — | $55K | $55K | 1.56% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 1.84% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $8K | 12.96% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.98% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.94% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.65% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $3K | — | $3K | 10.81% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $836 | $212 | $1K | 18.81% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 16.67% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $3.5M |
| Dental | DELTA DENTAL OF COLORADO | 524 | $222K |
| Vision | VISION SERVICE PLAN | 124 | $27K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $98K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $29K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $63K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.