| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6300 S. SYRACUSE WAY, STE. 700 CENTENNIAL, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $896 | $2K | 2.04% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST STE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $821 | — | $821 | 0.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $54 | $3K | 10.96% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $767 | — | $767 | 2.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $357 | $357 | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE. E. STE. 1601 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8 | $8 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY CENTENNIAL, CO 80111 | EYEMED VISION CARE | $850 | — | $850 | 7.30% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH ST STE 100 DENVER, CO 80202 | EYEMED VISION CARE | $300 | — | $300 | 2.57% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CA 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $509 | $147 | $656 | 15.63% |
| INSURANCE ACCENTS CORPORATION3 Filed as: INSURANCE ACCENTS CORP | 18091 E KEPNER DR. AURORA, CO 80017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | $23 | $574 | 13.68% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.55% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| RHONA S UNSELL INC4 Filed as: RHONA S UNSELL INC. | 6525 GUNPARK DRIVE SUITE 370-152 BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 10.83% |
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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 250 | $113K |
| Vision | EYEMED VISION CARE | 265 | $12K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $35K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $31K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.