| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST SUITE 100 DENVER, CO 80202 | UNITED HEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 5.65% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FREEWAY #200 DALLAS, TX 75240 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.75% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INC SERV INC-CO | 6143 S WILLOW DRIVE SUITE 200 GREENWOOD VLG, CO 801115123 | HUMANA INSURANCE COMPANY | — | $311 | $311 | 0.64% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 20.99% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $689 | $3K | 21.35% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $141 | — | $141 | 3.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175 | — | $175 | 6.47% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $140 | — | $140 | 7.83% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.61% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FREEWAY #200 DALLAS, TX 75240 | HUMANA INSURANCE COMPANY | -$8 | — | -$8 | — |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FREEWAY #200 DALLAS, TX 75240 | HUMANA HEALTH PLAN, INC. | $44 | — | $44 | — |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 192 | $611K |
| Dental | HUMANA INSURANCE COMPANY | 102 | $49K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 192 | $611K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 77 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $38K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.