| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 7.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC | AON MSC 17461 PO BOX 19640 IRVINE, CA 92623 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 2.46% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST. SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $870 | $870 | 1.48% |
| IMA, INC.3 | 136 E SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | — | $754 | $754 | 1.28% |
| IMA, INC.3 | P.O. BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $1K | — | $1K | 4.05% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICE WEST INC | PO BOX 955909 SAINT LOUIS, MO 631955909 | VISION SERVICE PLAN | $516 | — | $516 | 1.58% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W ERIE ST. STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $150 | — | $150 | 0.46% |
| BLUMCIA BUSINESS SOLUTIONS4 | PMB 271 3440 YOUNGFIELD ST. WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $653 | — | $653 | 9.31% |
| IMA, INC.4 | 1705 17TH ST. DENVER, CO 80202 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $455 | — | $455 | 6.48% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 154 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 240 | $59K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 240 | $59K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 240 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.