| 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. | $36K | $16 | $36K | 0.18% |
| IMA, INC.3 Filed as: IMA INC | 1550 17TH STREET 600 DENVER, CO 80202 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $20K | $0 | $20K | 0.10% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $123K | $0 | $123K | 9.27% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | HARTFORD LIFE AND ACCIDENT | $0 | $19K | $19K | 1.43% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST, STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $125 | $2K | — |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $944 | $582 | $2K | — |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 6200 EYGPT VALLEY CT NE ADA, MI 49301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $790 | — | $790 | — |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | $95 | $422 | — |
| W. ANTHONY HUTTO3 | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | — | $151 | — |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES, LLC | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $56 | $134 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | — |
| RICKY TULIO3 | 323 N LINDEN CORTEZ, CO 81321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | — |
| SOLUTION BENEFITS, INC.3 | 715 WESTEVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | — |
| JOSEPH PATRICK WALSH3 | 2900 BRODICK WAY GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $5 | $75 | — |
| LIESL MICHELLE NIELSEN3 | 1673 HWY 50 UNIT A GRAND JUNCTION, CO 81503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | — |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | — |
| KEVIN P MCCARNEY3 | 525 ARROW COURT CLIFTON, CO 81520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $24 | $40 | — |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | — |
| GINA M WESOLEK3 | 114 LAKE WOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | — |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | — |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| GEORGE D. BURCKLEY3 | 1523 QUITMAN ST. DENVER, CO 80204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 6200 EGYPT VALLEY CT NE ADA, MI 49301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 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 | $9 | — | $9 | — |
| SOLUTION BENEFITS, INC.3 | 715 WESTVIEW DRIVE BAYFIELD, CO 81112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| 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 | $5K | $198 | $5K | — |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | — |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 6200 EGYPT VALLEY CT NE ADA, MI 49301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | — |
| SELECTIVE OPTIONS INC3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $455 | $143 | $598 | — |
| JOSEPH PATRICK WALSH3 | 2900 BRODICK WAY GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $27 | $426 | — |
| LIESL MICHELLE NIELSEN3 | 1673 HWY 50 UNIT A GRAND JUNCTION, CO 81503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | — | $371 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | — | $316 | — |
| W. ANTHONY HUTTO3 Filed as: W ANTHONY HUTTO | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | — | $303 | — |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $86 | $300 | — |
| KEVIN P MCCARNEY3 | 525 ARROW COURT CLIFTON, CO 81520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $126 | $212 | — |
| SOLUTION BENEFITS, INC.3 Filed as: SOLUTION BENEFITS INC | 715 WESTVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | — | $207 | — |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | — |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | — |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | — |
| SHANNON MARIE BALDWIN3 | 10222 E. 114TH ST S BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | — |
| ROBERT DALE ESTES3 | 564 SAGE CIRCLE HIGHLANDS RANCH, CO 80126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | — |
| RICHARD NEWTON3 | PO BOX 740777 ARVADA, CO 80006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | — |
| GEORGE D. BURCKLEY3 | 1523 QUITMAN ST DENVER, CO 80204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE | $234 | $4 | $238 | — |
| ESTATE OF GIBSON T. FRANCISCOTTY3 Filed as: ESTATE OF GIBSON T FRANCISCOTTY | 6200 EGYPT VALLEY CT NE ADA, ME 49301 | COLONIAL LIFE & ACCIDENT INSURANCE | $231 | — | $231 | — |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE | $94 | $11 | $105 | — |
| JOSEPH PATRICK WALSH3 | 2900 BRODICK WAY GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE | $27 | $2 | $29 | — |
| SELECTIVE OPTIONS INC3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE | $18 | $3 | $21 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE | $18 | — | $18 | — |
| W. ANTHONY HUTTO3 Filed as: W ANTHONY HUTTO | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE | $15 | — | $15 | — |
| SOLUTION BENEFITS, INC.3 Filed as: SOLUTION BENEFITS INC | 715 WESTVIEW DRIVE BAYFIELD, CA 81122 | COLONIAL LIFE & ACCIDENT INSURANCE | $15 | — | $15 | — |
| KEVIN P MCCARNEY3 | 525 ARROW COURT CLIFTON, CO 81520 | COLONIAL LIFE & ACCIDENT INSURANCE | $5 | $8 | $13 | — |
| TOM GILLIGAN3 | 12 SPEEN ST NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE | $3 | — | $3 | — |
| DAVID DANIEL3 | 234 FOSSIL CREEK RD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE | $3 | — | $3 | — |
| GEORGE D. BURCKLEY3 Filed as: GEORGE D BURCKLEY | 1523 QUITMAN ST DENVER, CO 80204 | COLONIAL LIFE & ACCIDENT INSURANCE | $1 | — | $1 | — |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE | $1 | — | $1 | — |
| 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 | $69K |
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 | 1,541 | 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) | 1,541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,241 | $20.2M |
| Vision | VISION SERVICE PLAN | 1,253 | $193K |
| Life insurance(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,292 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,292 | $1.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,541 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,541 | — |
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.