| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC (CO) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | $61K | $99K | 19.10% |
| AMY E GRIFFIN3 Filed as: AMY ELIZABETH GRIFFIN | 1905 STERLING LN FORT COLLINS, CO 805211312 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.63% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.48% |
| LAURA M MARCOTTE3 Filed as: LAURA MARIE PROBASCO | 4312 BROOKSTONE CT LOVELAND, CO 80538 | CONTINENTAL AMERICAN INSURANCE COMPANY | $368 | — | $368 | 0.99% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: GARRY RIGGS | 547 SPINDRIFT CT FORT COLLINS, CO 805253134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $235 | — | $235 | 0.63% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH ST., STE 100 DENVER, CO 802021657 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.11% |
| THREEFLOW3 | 306 W. ERIE STREET, SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $172 | $172 | 1.14% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST, STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST, STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.98% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $992 | — | $992 | 10.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST, STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $274 | — | $274 | 9.98% |
| IMA, INC.3 Filed as: IMA INC (CO) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $17K | $22K | 2330.18% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $517K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $951 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 142 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $10K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 167 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.