| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA OF COLORADO, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $3K | $37K | 9.38% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 9.94% |
| IMA, INC.3 Filed as: IMA OF COLORADO INC | 1550 17TH STREET SUITE 600 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 15.28% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.08% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $805 | — | $805 | 6.98% |
| IMA, INC.3 Filed as: IMA, INC | — | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 105 | $143K |
| Vision | VISION SERVICE PLAN | 51 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 104 | $48K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 104 | $48K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $399K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 119 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.