| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1550 17TH STREET, SUITE 600 DENVER, CO 80202 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $65K | $6K | $71K | 0.39% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1550 17TH STREET, SUITE 600 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $145K | — | $145K | 8.31% |
| IMA, INC.3 Filed as: IMA INC. | 8200 E. 32ND ST NORTH WICHITA, KS 67226 | HARTFORD LIFE AND ACCIDENT | — | $19K | $19K | 1.07% |
| GIBSON T. FRANCISCOTTY3 | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $200 | $17K | 9.82% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST, STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 4.10% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 2.22% |
| W. ANTHONY HUTTO3 | 60276 OAK GROVE RD. MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $544 | — | $544 | 0.31% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $444 | — | $444 | 0.25% |
| SOLUTION BENEFITS, INC.3 | 715 WESTVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | — | $322 | 0.18% |
| MICHAEL L. STEWART3 | 1077 S. MESCAL DR. PUEBLO WEST, CO 81077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | — | $148 | 0.08% |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.07% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.04% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.03% |
| GEORGE D. BURCKLEY3 | 1523 QUITMAN ST DENVER, CO 80204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.02% |
| SHANNON MARIE BALDWIN3 | 10222 E. 114TH ST S. BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.02% |
| RICHARD NEWTON3 | PO BOX 740777 ARVADA, CO 80006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| GIBSON T. FRANCISCOTTY3 | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $29 | $4K | 6.93% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST, STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.13% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $516 | $167 | $683 | 1.34% |
| W. ANTHONY HUTTO3 | 60276 OAK GROVE RD. MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | — | $317 | 0.62% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | — | $207 | 0.41% |
| SOLUTION BENEFITS, INC.3 | 715 WESTEVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.31% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.08% |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.05% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| GEORGE D. BURCKLEY3 | 1523 QUITMAN ST. DENVER, CO 80204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| MICHAEL L. STEWART3 | 1077 S. MESCAL DR. PUEBLO WEST, CO 81077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| GIBSON T. FRANCISCOTTY3 | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 2.19% |
| W. ANTHONY HUTTO3 | 60276 OAK GROVE RD. MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSRUANCE SERVICES USA | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 1.23% |
| SOLUTION BENEFITS, INC.3 | 715 WESTEVIEW DRIVE BAYFIELD, CO 81112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.82% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.55% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST. STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.14% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF COLORADO EIN 84-0568337 DENTAL CLAIMS ADMIN | Contract Administrator Service code 13 | P.O. BOX 173803 DENVER, CO 802173803 | $72K |
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 | 1,682 | 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) | 1,682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,348 | $18.3M |
| Vision | VISION SERVICE PLAN | 1,430 | $215K |
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,374 | $2.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,374 | $1.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,682 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,682 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.