| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 0.53% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 4.79% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 350 NORTH CLARK STREET CHICAGO, IL 60610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 1.92% |
| MARY CATHERINE WILLIAMS3 Filed as: MARY WILLIAMS | 2950 S JAMAICA COURT, SUITE 302 AURORA, CO 80014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 1.24% |
| MELISSA A KOLL3 Filed as: MELISSA KOLL | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 1.18% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.94% |
| OPTIO LLC3 | 8547 E ARAPAHOE ROAD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.41% |
| SARA SORENSEN-CONNICK3 | 8547 E ARAPAHOE ROAD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.24% |
| ABIGAIL LEIGH CONNICK3 Filed as: ABIGAIL CONNICK | 10408 RUTLEDGE STREET PARKER, CO 80134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.09% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $1.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $1.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $77K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $77K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $77K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.