| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE STREET, 3RD FLOOR CHICAGO, IL 60554 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.50% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 733835 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $526 | $526 | 0.41% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $821 | $0 | $821 | 6.84% |
| BLUMCIA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD STREET, PMB 271 WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $996 | $0 | $996 | 24.22% |
| JOHN SERBA JR4 Filed as: JOHN SERBA JR. | 34323 HIGHWAY 6, UNIT R 202 EDWARDS, CO 81632 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $106 | $0 | $106 | 2.58% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | MAGELLAN HEALTHCARE | $0 | $825 | $825 | 30.81% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 65 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $127K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $127K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $127K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.