| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $10K | $0 | $10K | 5.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $0 | $18K | 14.06% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $602 | $602 | 0.47% |
| LEXTOR CORPORATION3 | 600 WEST COUNTY LINE ROAD 15-202 HIGHLANDS RANCH, CO 80129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 8.10% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE, SUITE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 6.09% |
| LINDSAY A LIJEWSKI3 Filed as: LINDSAY A. LIJEWSKI | 5894 EAST CALEY AVENUE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.18% |
| DAYTON LLC3 Filed as: DAYTON, LLC | 5445 DTC PARKWAY, SUITE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $586 | $0 | $586 | 1.41% |
| AMY JOY DRILLING3 | 600 WEST COUNTY LINE ROAD APT 15-201 HIGHLANDS RANCH, CO 80129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $319 | $0 | $319 | 0.77% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | EMBER ASSURANCE, INC. | $3K | $0 | $3K | 10.00% |
| FREEDOM INSIGHT, LLC4 | PMB 329 6519-A SOUTH ACADEMY BLVD COLORADO SPRINGS, CO 80906 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 15.41% |
| DONALD ANDERSON4 | 1818 HERCULES DRIVE COLORADO SPRINGS, CO 80905 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $133 | $0 | $133 | 1.44% |
| BLUMCIA BUSINESS SOLUTIONS4 | PMB 271 3440 YOUNGFIELD STREET WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | $0 | $23 | 0.25% |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 544 | $193K |
| Vision | EMBER ASSURANCE, INC. | 525 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 331 | $129K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 331 | $129K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 331 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.