| 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. | $55K | $0 | $55K | 0.28% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $132K | $0 | $132K | 9.78% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 1.63% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST, STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.25% |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 1833 FALLASBURG PARK DR. NE LOWELLE, MI 49331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.11% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $218 | $2K | 1.30% |
| SELECTIVE OPTIONS INC3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | $80 | $598 | 0.44% |
| TERRI WILL3 | 357 MOUNTAINVIEW DR #102 BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $597 | — | $597 | 0.44% |
| DANIEL JONES3 | 2695 PATTERSON RD STE 2-217 GRAND JUNCTION, CO 81506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | — | $439 | 0.32% |
| GUADALUPE RAMIREZ3 | 459 JOALAN COURT GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 0.26% |
| W. ANTHONY HUTTO3 Filed as: W ANTHONY HUTTO | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 0.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | — | $270 | 0.20% |
| KEVIN P MCCARNEY3 | 525 ARROW COURT CLIFTON, CO 81520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 0.18% |
| SOLUTION BENEFITS, INC.3 Filed as: SOLUTION BENEFITS INC | 715 WESTVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.15% |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.03% |
| MICHAEL RODRIGUEZ3 | 2700 GRD GRAND JUNCTION, CO 81506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.03% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.03% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.02% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| RICHARD NEWTON3 | 11039 RIOS RD BOCA RATON, FL 33498 | 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 | $3K | — | $3K | 6.09% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $877 | $222 | $1K | 2.31% |
| TERRI WILL3 | 357 MOUNTAINVIEW DR. #102 BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $637 | — | $637 | 1.34% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $499 | $87 | $586 | 1.23% |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 1833 FALLASBURG PARK DR NE LOWELL, MI 49331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $505 | — | $505 | 1.06% |
| DANIEL JONES3 | 2695 PATTERSON RD STE 2-217 GRAND JUNCTION, CO 81506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | $185 | $485 | 1.02% |
| GUADALUPE RAMIREZ3 | 459 JOALAN COURT GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | — | $316 | 0.67% |
| KEVIN P MCCARNEY3 | 525 ARROW COURT CLIFTON, CO 81520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | — | $308 | 0.65% |
| MICHAEL RODRIGUEZ3 | 2700 GRD GRAND JUNCTION, CO 81506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.25% |
| W. ANTHONY HUTTO3 | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.15% |
| SOLUTION BENEFITS, INC.3 | 715 WESTEVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.10% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| DAVID DANIEL3 | 234 FOSSIL CREEK ROAD FORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | 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 | $240 | — | $240 | 11.49% |
| GUADALUPE RAMIREZ3 | 459 JOALAN COURT GRAND JUNCTINO, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 3.83% |
| TERRI WILL3 | 357 N. MOUNTAINVIEW DR. #102 BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 2.97% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $23 | $59 | 2.83% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $23 | $59 | 2.83% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS | 9720 E. 151ST PLACE BRIGHTON, CA 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $10 | $48 | 2.30% |
| DANIEL JONES3 | 2695 PATTERSON RD STE 2-217 GRAND JUNCTION, CO 81506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $11 | $28 | 1.34% |
| KEVIN P MCCARNEY3 | 525 ARROW COURT CLIFTON, CO 81520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.91% |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 1833 FALLASBURG PARK DR NE LOWELL, MI 49331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.72% |
| W. ANTHONY HUTTO3 | 15461 SHAVANO VALLEY RD MONTROSE, CO 81403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.43% |
| SOLUTION BENEFITS, INC.3 | 715 WESTVIEW DRIVE BAYFIELD, CO 81112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.29% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.19% |
| DAVID DANIEL3 | 234 FOSSIL CREEK RD FLORISSANT, CO 80816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF COLORADO EIN 83-4416613 DENTAL CLAIMS ADMIN | Contract Administrator Service code 13 | P.O. BOX 173803 DENVER, CO 802173803 | $57K |
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 | 1,462 | 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) | 1,462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,115 | $19.7M |
| Vision | VISION SERVICE PLAN | 1,125 | $160K |
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,214 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,214 | $1.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,462 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,462 | — |
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.