| 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. | $53K | $0 | $53K | 0.28% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $136K | $0 | $136K | 9.91% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 0.48% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST, STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 4.68% |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 1833 FALLASBURG PARK DR. NE LOWELLE, MI 49331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.24% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $660 | $3K | 1.85% |
| DANIEL JONES3 | 2695 PATTERSON RD STE 2-217 GRAND JUNCTION, CO 81506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $813 | $1K | $2K | 1.46% |
| KEVIN P MCCARNEY3 | 525 ARROW COURT CLIFTON, CO 81520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $766 | $407 | $1K | 0.80% |
| SELECTIVE OPTIONS INC3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $813 | $259 | $1K | 0.73% |
| MICHAEL RODRIGUEZ3 | 2700 GRD GRAND JUNCTION, CO 81506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $484 | $328 | $812 | 0.55% |
| GUADALUPE RAMIREZ3 | 459 JOALAN COURT GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $663 | $45 | $708 | 0.48% |
| TERRI WILL3 | 357 MOUNTAINVIEW DR #102 BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $488 | — | $488 | 0.33% |
| W. ANTHONY HUTTO3 Filed as: W ANTHONY HUTTO | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | — | $331 | 0.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | — | $304 | 0.21% |
| SOLUTION BENEFITS, INC.3 Filed as: SOLUTION BENEFITS INC | 715 WESTVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 0.17% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $25 | $121 | 0.08% |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.04% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.03% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| JOSEPH PATRICK WALSH3 | 2900 BRODICK WAY GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| LIESL MICHELLE NIELSEN3 | 1673 HWY 50 UNIT A GRAND JUNCTION, CO 81503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| SHANNON MARIE BALDWIN3 | 10222 E. 114TH ST S BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| RICHARD NEWTON3 | PO BOX 740777 ARVADA, CO 80006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST, STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.29% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $456 | $2K | 3.47% |
| DANIEL JONES3 | 2695 PATTERSON RD STE 2-217 GRAND JUNCTION, CO 81506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $565 | $923 | $1K | 3.41% |
| MICHAEL RODRIGUEZ3 | 2700 GRD GRAND JUNCTION, CO 81506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $590 | $399 | $989 | 2.26% |
| KEVIN P MCCARNEY3 | 525 ARROW COURT CLIFTON, CO 81520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $580 | $308 | $888 | 2.03% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $637 | $198 | $835 | 1.91% |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 1833 FALLASBURG PARK DR NE LOWELL, MI 49331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | — | $588 | 1.35% |
| TERRI WILL3 | 357 MOUNTAINVIEW DR. #102 BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | — | $425 | 0.97% |
| GUADALUPE RAMIREZ3 | 459 JOALAN COURT GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $20 | $311 | 0.71% |
| W. ANTHONY HUTTO3 | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.18% |
| SOLUTION BENEFITS, INC.3 | 715 WESTEVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.12% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES, LLC | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.02% |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| JOSEPH PATRICK WALSH3 | 2900 BRODICK WAY GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| LIESL MICHELLE NIELSEN3 | 1673 HWY 50 UNIT A GRAND JUNCTION, CO 81503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 1833 FALLASBURG PARK DR NE LOWELL, MI 49331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 1.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.19% |
| W. ANTHONY HUTTO3 | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.19% |
| SOLUTION BENEFITS, INC.3 | 715 WESTVIEW DRIVE BAYFIELD, CO 81112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.75% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.45% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST. STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.15% |
| 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 | 1,528 | 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) | 1,528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,157 | $18.6M |
| Vision | VISION SERVICE PLAN | 1,170 | $188K |
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,250 | $1.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,250 | $1.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,528 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,528 | — |
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.