| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $237 | $237 | 0.34% |
| AMY E GRIFFIN3 Filed as: AMY ELIZABETH GRIFFIN | 1905 SILVERWOOD DRIVE FORT COLLINS, CO 80521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.77% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE, SUITE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $987 | $0 | $987 | 3.24% |
| LAURA M MARCOTTE3 Filed as: LAURA MARIE PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | CONTINENTAL AMERICAN INSURANCE COMPANY | $243 | $0 | $243 | 0.80% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: GARY RIGGS | 547 SPINDRIFT COURT FORT COLLINS, CO 80525 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | $0 | $146 | 0.48% |
| KYLE PROBASCO3 | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.20% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 12.12% |
| THREEFLOW3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 12.12% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 165 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $69K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $69K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $69K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.