| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $59K | $13 | $59K | 0.34% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $128K | $24K | $153K | 11.00% |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 9925 WALKER ROAD COLORADO, CO 80908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 4.23% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST, STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 3.22% |
| GIBSON T. FRANCISCOTTY3 | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 3.13% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 2.03% |
| W. ANTHONY HUTTO3 | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $464 | — | $464 | 0.26% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | — | $419 | 0.23% |
| SOLUTION BENEFITS, INC.3 | 715 WESTVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | — | $308 | 0.17% |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.06% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.04% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.02% |
| GEORGE D. BURCKLEY3 | 1523 QUITMAN ST DENVER, CO 80204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| SHANNON MARIE BALDWIN3 | 10222 E. 114TH ST S. BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| RICHARD NEWTON3 | PO BOX 740777 ARVADA, CO 80006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.29% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST, STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $982 | — | $982 | 1.91% |
| GIBSON T. FRANCISCOTTY3 | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $933 | — | $933 | 1.81% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $100 | $464 | 0.90% |
| W. ANTHONY HUTTO3 | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | — | $291 | 0.57% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | — | $207 | 0.40% |
| SOLUTION BENEFITS, INC.3 | 715 WESTEVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.31% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.08% |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.03% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| GEORGE D. BURCKLEY3 | 1523 QUITMAN ST. DENVER, CO 80204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| ESTATE OF GIBSON T. FRANCISCOTTY3 Filed as: ESTATE OF GIBSON T FRANCISCOTTY | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | — | $1K | 7.37% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE | $892 | — | $892 | 5.23% |
| GIBSON T. FRANCISCOTTY3 Filed as: GIBSON T FRANCISCOTTY | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE & ACCIDENT INSURANCE | $827 | — | $827 | 4.85% |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE | $307 | $301 | $608 | 3.57% |
| W. ANTHONY HUTTO3 Filed as: W ANTHONY HUTTO | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE | $33 | — | $33 | 0.19% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE | $32 | — | $32 | 0.19% |
| SOLUTION BENEFITS, INC.3 Filed as: SOLUTION BENEFITS INC | 715 WESTVIEW DRIVE BAYFIELD, CA 81122 | COLONIAL LIFE & ACCIDENT INSURANCE | $28 | — | $28 | 0.16% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE | $6 | — | $6 | 0.04% |
| DAVID DANIEL3 | 234 FOSSIL CREEK RD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE | $5 | — | $5 | 0.03% |
| GEORGE D. BURCKLEY3 Filed as: GEORGE D BURCKLEY | 1523 QUITMAN ST DENVER, CO 80204 | COLONIAL LIFE & ACCIDENT INSURANCE | $5 | — | $5 | 0.03% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE | $4 | — | $4 | 0.02% |
| GIBSON T. FRANCISCOTTY3 | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 10.64% |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 9925 WALKER ROAD COLORADO SPRINGS, CO 80908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 8.22% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST. STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 7.51% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $50 | $89 | 5.81% |
| W. ANTHONY HUTTO3 | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSRUANCE SERVICES USA | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.52% |
| SOLUTION BENEFITS, INC.3 | 715 WESTEVIEW DRIVE BAYFIELD, CO 81112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.33% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.20% |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| 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 | $64K |
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 | 1,476 | 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) | 1,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,341 | $17.5M |
| Vision | VISION SERVICE PLAN | 1,434 | $202K |
| Life insurance(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,374 | $1.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,374 | $1.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,476 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,476 | — |
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.