| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 802021260 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 0.24% |
| IMA, INC.3 | 1705 17TH ST., STE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $110K | — | $110K | 10.44% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | — | $15K | $15K | 1.44% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $144 | $3K | 2.71% |
| ESTATE OF GIBSON T. FRANCISCOTTY3 | 1833 FALLASBURG PARK NE LOWELL, MI 49331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $118 | $2K | 1.32% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | $72 | $598 | 0.48% |
| SELECTIVE OPTIONS INC3 | 9720 E. 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $418 | $35 | $453 | 0.36% |
| W. ANTHONY HUTTO3 Filed as: W ANTHONY HUTTO | 309 ANTLER DR ENTERPRISE, AL 36330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | — | $284 | 0.23% |
| USI INSURANCE SERVICES LLC3 | ACORDIA MOUNTAIN WEST DENVER, CO 80291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.21% |
| SOLUTION BENEFITS, INC.3 Filed as: SOLUTION BENEFITS INC | 751 WESTVIEW DRIVE BAYFIELD, CO 81122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 0.14% |
| DANIEL JONES3 | 838 GRAND AVE STE 102 GRAND JUNCTION, CO 81501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.06% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.03% |
| JENNIFER ANNE CIHLAR3 | 198 RINCON DR GRAND JUNCTION, CO 81503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.03% |
| DAVID DANIEL3 | 3601 N 28TH ST OZARK, MO 65721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.03% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| JASON PAUL DEWITT3 | 2915 ORCHARD AVE UNIT C27 GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
No Schedule C service providers reported on this filing.
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 | 1,058 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,067 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,112 | $19.1M |
| Vision | VISION SERVICE PLAN | 968 | $147K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,148 | $1.2M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 123 | $125K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,148 | $1.1M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,148 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,148 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.