| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $69K | $69K | 5.13% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $27K | $27K | 2.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| KRISTA K PRICE3 Filed as: KRISTA PRICE | 3864 S QUINCE ST DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 15.67% |
| IMA, INC.3 | 430 E DOUGLAS AVE WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.04% |
| IMA, INC.3 Filed as: IMA INC-000 | 430 E DOUGLAS AVE WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.85% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $981 | $4K | 8.71% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $659 | $659 | 1.50% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $219 | $2K | 17.11% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $155 | $155 | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $725 | $126 | $851 | 15.26% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $279 | $279 | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $84 | $84 | 1.51% |
| SUSAN ALLEY4 | 8687 BLUEBUNCH CT PARKER, CO 80134 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $190 | — | $190 | 6.82% |
| KELLY C DUNCAN4 | 7171 E COLFAX AVE UNIT 501 DENVER, CO 80220 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $153 | — | $153 | 5.49% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 168 | $77K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 168 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $44K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 241 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.