| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INCORPORATED | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | — | $68K | 5.33% |
| IMA, INC.3 Filed as: IMA INCORPORATED | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $7K | — | $7K | 7.67% |
| IMA, INC.3 Filed as: IMA INCORPORATED | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $870 | $6K | 17.42% |
| IMA, INC.3 Filed as: IMA INCORPORATED | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $639 | $4K | 17.82% |
| IMA, INC.3 Filed as: IMA, INCORPORATED | PO BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $652 | — | $652 | 8.11% |
| IMA, INC.3 Filed as: IMA INCORPORATED | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $637 | $120 | $757 | 17.84% |
| IMA, INC.3 Filed as: IMA INCORPORATED | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $451 | $121 | $572 | 19.04% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $1.3M |
| Dental | DELTA DENTAL OF COLORADO | 209 | $88K |
| Vision | VISION SERVICE PLAN | 44 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $23K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 27 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $36K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.