| 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 | $97K | — | $97K | 2.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $13K | — | $13K | 5.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $7K | 7.68% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 3.53% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $834 | $4K | 8.03% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.55% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $134 | $1K | 16.62% |
| TOBIAS SARA3 | 9280 S WATSON GULCH RD LITTLETON, CO 80127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $388 | — | $388 | 10.22% |
| TOBIAS SARA3 | 9280 S WATSON GULCH RD LITTLETON, CO 80127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 4.03% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 2.30% |
| THE NOVAK AGENCY INC.3 | 7985 ALLISON WAY SUITE B ARVADA, CO 80005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 1.02% |
| TOBIAS SARA3 | 9280 S WATSON GULCH RD LITTLETON, CO 80127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 2.53% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 1.54% |
| THE NOVAK AGENCY INC.3 | 7985 ALLISON WAY SUITE B ARVADA, CO 80005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.70% |
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 | 575 | 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) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 525 | $4.9M |
| Dental | DELTA DENTAL OF COLORADO | 681 | $269K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 423 | $36K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $50K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 529 | $95K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $84K |
| Other(4 contracts, 3 carriers) | COMPSYCH | 597 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.