| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $88K | $1K | $89K | 1.86% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $16K | — | $16K | 4.98% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 6.33% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.72% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 6.50% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 6.99% |
| WENDELL CUMMINGS3 | P.O. BOX 411 SEDALIA, CO 80135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $660 | — | $660 | 4.36% |
| VINCENT CHARLES MCDOWELL3 Filed as: VINCENT MCDOWELL | 1535 E LINCOLN ROAD IDAHO FALLS, ID 83401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | — | $200 | 1.32% |
| KATHERINE S ANDERSON3 Filed as: KATHERINE KEAST-ANDERSON | 8601 TURNPIKE DRIVE, UNIT 210 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | — | $138 | 0.91% |
| JAMES M GARNER3 Filed as: JAMES GARNER | 8670 WOLFF COURT, SUITE 290 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 0.90% |
| INGA MCDOWELL3 | 10600 CHEVROLET WAY, SUITE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.57% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT STORJOHANN | 10110 EATON STREET WESTMINSTER, CO 80020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.50% |
| JONATHAN KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.41% |
| LISA HALL3 | 2542 E SUNDOWN ROAD COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.24% |
| TROY J KIDD3 Filed as: TROY KIDD | 13066 EMERSON STREET THORNTON, CO 80241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.18% |
| TINA WAY3 | 155 INVERNESS DRIVE W, SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.14% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE W, SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.11% |
| THURMAN ERGENBRIGHT II3 Filed as: THURMAN ERGENBRIGHT | 6522 SHEA PLACE HIGHLAND RANCH, CO 80130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.08% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 8601 TURNPIKE DRIVE, UNIT 210 WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| JAMES M GARNER3 Filed as: JAMES WORLEY | 10393 YATES COURT WESTMINSTER, CO 80031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.68% |
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 | 628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 825 | $4.8M |
| Dental | DELTA DENTAL OF COLORADO | 710 | $313K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 440 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 593 | $83K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 541 | $183K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $139K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 593 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 825 | — |
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.