| 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. | $64K | $3 | $64K | 0.30% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $133K | $0 | $133K | 9.08% |
| IMA, INC.3 Filed as: IMA INC | 8200 E. 32ND ST NORTH WICHITA, KS 67226 | HARTFORD LIFE AND ACCIDENT | — | $17K | $17K | 1.19% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST, STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $171 | $4K | — |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | — |
| RICKY TULIO3 | 323 N LINDEN CORTEZ, CO 81321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 6200 EYGPT VALLEY CT NE ADA, MI 49301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $21 | $627 | — |
| LINDA W OLGUIN3 | 9720 E. 151ST PLACE BRIGHTON, CA 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $71 | $358 | — |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | $127 | $356 | — |
| W. ANTHONY HUTTO3 | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | — | $246 | — |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | — | $176 | — |
| SOLUTION BENEFITS, INC.3 | 715 WESTEVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | — | $143 | — |
| GINA M WESOLEK3 | 114 LAKE WOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $32 | $130 | — |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | — |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | — |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | — |
| GEORGE D. BURCKLEY3 | 1523 QUITMAN ST. DENVER, CO 80204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 6200 EGYPT VALLEY CT NE ADA, MI 49301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | — |
| 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 | — |
| W. ANTHONY HUTTO3 | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| SOLUTION BENEFITS, INC.3 | 715 WESTVIEW DRIVE BAYFIELD, CO 81112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | — |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | — |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST. STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST, STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $143 | $6K | — |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 6200 EGYPT VALLEY CT NE ADA, MI 49301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | — |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | — |
| RICKY TULIO3 | 323 N LINDEN CORTEZ, CA 81321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $815 | — | $815 | — |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $599 | $21 | $620 | — |
| W. ANTHONY HUTTO3 Filed as: W ANTHONY HUTTO | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $339 | — | $339 | — |
| SELECTIVE OPTIONS INC3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | $114 | $320 | — |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | — | $300 | — |
| LINDA W OLGUIN3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $50 | $249 | — |
| SOLUTION BENEFITS, INC.3 Filed as: SOLUTION BENEFITS INC | 715 WESTVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | — | $246 | — |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $29 | $101 | — |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | — |
| GINA M WESOLEK3 | 114 LAKE WOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $20 | $82 | — |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | — |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | — |
| GEORGE D. BURCKLEY3 | 1523 QUITMAN ST DENVER, CO 80204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | — |
| SHANNON MARIE BALDWIN3 | 10222 E. 114TH ST S BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| RICHARD NEWTON3 | PO BOX 740777 ARVADA, CO 80006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | — |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE | $711 | $24 | $735 | — |
| ESTATE OF GIBSON T. FRANCISCOTTY3 Filed as: ESTATE OF GIBSON T FRANCISCOTTY | 6200 EGYPT VALLEY CT NE ADA, ME 49301 | COLONIAL LIFE & ACCIDENT INSURANCE | $526 | — | $526 | — |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE | $258 | $182 | $440 | — |
| RICKY TULIO3 | 323 N. LINDEN CORTEZ, CO 81321 | COLONIAL LIFE & ACCIDENT INSURANCE | $217 | — | $217 | — |
| LINDA W OLGUIN3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE | $37 | $9 | $46 | — |
| SELECTIVE OPTIONS INC3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE | $22 | $12 | $34 | — |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE | $26 | — | $26 | — |
| W. ANTHONY HUTTO3 Filed as: W ANTHONY HUTTO | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE | $25 | — | $25 | — |
| GINA M WESOLEK3 | 114 LAKE WOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE & ACCIDENT INSURANCE | $17 | $6 | $23 | — |
| SOLUTION BENEFITS, INC.3 Filed as: SOLUTION BENEFITS INC | 715 WESTVIEW DRIVE BAYFIELD, CA 81122 | COLONIAL LIFE & ACCIDENT INSURANCE | $21 | — | $21 | — |
| GEORGE D. BURCKLEY3 Filed as: GEORGE D BURCKLEY | 1523 QUITMAN ST DENVER, CO 80204 | COLONIAL LIFE & ACCIDENT INSURANCE | $6 | — | $6 | — |
| TOM GILLIGAN3 | 12 SPEEN ST NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE | $4 | — | $4 | — |
| DAVID DANIEL3 | 234 FOSSIL CREEK RD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE | $4 | — | $4 | — |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE | $3 | — | $3 | — |
| 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 | $71K |
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 | 1,582 | 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) | 1,582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,291 | $21.4M |
| Vision | VISION SERVICE PLAN | 1,329 | $202K |
| Life insurance(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,322 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,322 | $1.5M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,582 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,582 | — |
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.