| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA OF CO | 1550 17TH ST SUITE 600 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | $4K | $45K | 9.20% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 3.00% |
| DON C SUNDAY | 2037 S GRAY DR LAKEWOOD, CO 80227 | AFLAC | $4K | — | $4K | 9.34% |
| REGINA K SANTANGELO | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $507 | — | $507 | 1.23% |
| IMA, INC. Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $461 | — | $461 | 1.12% |
| ZENAT SHARIFF BELKIN | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $349 | — | $349 | 0.85% |
| CHRISTINE R FINN | 4464 COPELAND LOOP UNIT 202 HIGHLANDS RANCH, CO 80126 | AFLAC | $152 | — | $152 | 0.37% |
| JONATHAN SAMUEL KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $139 | — | $139 | 0.34% |
| DAVID J KASKA | 1862 DENVER WEST CT 224 LAKEWOOD, CO 80401 | AFLAC | $93 | — | $93 | 0.23% |
| KIEFER GROUP INSURANCE AGCY LLC | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $43 | — | $43 | 0.10% |
| ALAN LECLAIRE | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $43 | — | $43 | 0.10% |
| TIMOTHY B ASBY | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $42 | — | $42 | 0.10% |
| JOSE DE LOS SANTOS III | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $22 | — | $22 | 0.05% |
| TINA WAY | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $16 | — | $16 | 0.04% |
| JENNIFER L FOSS Filed as: JENNIFER FOSS | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | AFLAC | $11 | — | $11 | 0.03% |
| JOHN P THOMPSON | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $10 | — | $10 | 0.02% |
| LINDA M WALLACE-PESCHKA | 16748 E SMOKY HILL RD UNIT 9C CENTENNIAL, CO 80015 | AFLAC | $7 | — | $7 | 0.02% |
| SARA BRIERY | 492 LAKEVIEW DRIVE VILLA #40 PALM HARBOR, FL 34683 | AFLAC | $1 | — | $1 | 0.00% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $310 | $310 | 1.50% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.68% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST, STE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS EIN 59-1031071 | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $0 |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $489K |
| Dental | DELTA DENTAL OF COLORADO | 282 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 202 | $13K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.