| 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 | $96K | — | $96K | 2.24% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $20K | — | $20K | 10.00% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $918 | $23K | 20.84% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $481 | $8K | 10.67% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $876 | $7K | 11.39% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH ST SUITE 100 DENVER, CO 802021657 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.01% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $81 | $2K | 21.00% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $716 | $13 | $729 | 20.37% |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 549 | $4.3M |
| Dental | DELTA DENTAL OF COLORADO | 716 | $199K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 452 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 49 | $110K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3 | $72K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 45 | $63K |
| Other(3 contracts, 2 carriers) | MINES & ASSOCIATES, INC. | 605 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.