| 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 | $39K | $3K | $42K | 5.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES INC. | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $8K | — | $8K | 1.02% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 4.69% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVENUE FIRESTONE, CO 80504 | AFLAC | $1K | — | $1K | 3.14% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | AFLAC | $1K | — | $1K | 2.98% |
| KATHERINE ANDERSON3 | 2977 HYDRA DRIVE LOVELAND, CO 80537 | AFLAC | $845 | — | $845 | 2.00% |
| BERNICE ANN LOPEZ VALDEZ3 | 5109 ATHOS COURT PUEBLO, CO 81005 | AFLAC | $570 | — | $570 | 1.35% |
| LISA HALL3 | 8601 TURNPIKE DRIVE, SUITE 206 WESTMINSTER, CO 80031 | AFLAC | $442 | — | $442 | 1.05% |
| FRANCINE BERTRAM3 | 9630 REMINGTON AVENUE FIRESTONE, CA 80504 | AFLAC | $365 | — | $365 | 0.86% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $273 | — | $273 | 0.65% |
| RYAN DAVID BERTRAM3 | 9630 REMINGTON AVENUE FIRESTONE, CO 80504 | AFLAC | $268 | — | $268 | 0.63% |
| KRISTIE A LEATHERS3 Filed as: KRISTIE LEATHERS | 2143 RANCH DRIVE WESTMINSTER, CO 80234 | AFLAC | $248 | — | $248 | 0.59% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $242 | — | $242 | 0.57% |
| JAMES M GARNER3 | 7995 E PRENTICE AVENUE, SUITE 106 GREENWOOD VILLAGE, CO 80111 | AFLAC | $162 | — | $162 | 0.38% |
| MERIDEE A KENNEDY3 | 8249 NEWLAND COURT ARVADA, CO 80003 | AFLAC | $148 | — | $148 | 0.35% |
| TANYA RAE BERTRAM3 | 9630 REMINGTON AVENUE FIRESTONE, CO 80504 | AFLAC | $117 | — | $117 | 0.28% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PLACE LITTLETON, CO 80130 | AFLAC | $108 | — | $108 | 0.26% |
| JOHN PAUL THOMPSON SR3 Filed as: JOHN PAUL THOMPSON SR. | 6395 SOUTH KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $103 | — | $103 | 0.24% |
| LISA HALL3 | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $42 | — | $42 | 0.10% |
| KIEFER GROUP INSURANCE AGENCY LLC3 Filed as: KIEFER GROUP INSURANCE AGENCY, LLC | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80112 | AFLAC | $27 | — | $27 | 0.06% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80112 | AFLAC | $11 | — | $11 | 0.03% |
| TINA WAY3 Filed as: TINA MAY | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $11 | — | $11 | 0.03% |
| JAMES B WORLEY3 | 17070 GALAPAGO COURT BROOMFIELD, CO 80023 | AFLAC | $10 | — | $10 | 0.02% |
| VINCENT CHARLES MCDOWELL3 | 1426 EAST IRON EAGLE DRIVE EAGLE, ID 83616 | AFLAC | $2 | — | $2 | 0.00% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.58% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $829 | — | $829 | 12.67% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $429 | — | $429 | 7.81% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 136 | $765K |
| Dental | DELTA DENTAL OF COLORADO | 180 | $52K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 100 | $5K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 103 | $73K |
| Short-term disability | AFLAC | 51 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $30K |
| Other(3 contracts, 2 carriers) | AFLAC | 103 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.