| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA, INC. (CO) | 1705 17TH STREET SUITE 100 DENVER, CO 802021260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 2.70% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 10.00% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET SUITE 100 DENVER, CO 802021657 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| JIM H. REDSON4 Filed as: JIM H REDSON | 7180 ROUTT ST ARVADA, CO 80004 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 13.97% |
| ALICIA SQUARED, LLC4 Filed as: ALICIA SQUARED LLC | 3314 WAGON TRAIL RD FORT COLLINS, CO 80524 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $595 | — | $595 | 5.67% |
| NANCY BLACKWELL4 | PO BOX 2200 PARKER, CO 80134 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $503 | — | $503 | 4.79% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 20.00% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $930K |
| Dental | DELTA DENTAL OF COLORADO | 153 | $39K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 277 | $12K |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 91 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.