| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $2K | $104 | $2K | 4.65% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| MOUNTAIN WEST INS & FIN SVCS, LLC3 Filed as: MOUNTAIN WEST INC & FINANCIAL SRVCS | 100 E VICTORY WAY CRAIG, CO 81625 | STANDARD INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET DENVER, CO 80202 | STANDARD INSURANCE COMPANY | -$115 | $83 | -$32 | -0.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE SERVICES | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | -$45 | — | -$45 | -0.53% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $718 | $48 | $766 | 9.37% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $245 | — | $245 | 3.00% |
| MOUNTAIN WEST INS & FIN SVCS, LLC3 Filed as: MOUNTAIN WEST INC & FINANCIAL SRVCS | 100 E VICTORY WAY CRAIG, CO 81625 | STANDARD INSURANCE COMPANY | $10 | — | $10 | 0.12% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 59 | $43K |
| Vision | STANDARD INSURANCE COMPANY | 53 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 117 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.