| 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 | $2K | $43K | 7.57% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 3.02% |
| DON C SUNDAY | 2037 S GRAY DR LAKEWOOD, CO 80227 | AFLAC | $5K | $212 | $5K | 10.79% |
| IMA, INC. Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $1K | — | $1K | 2.27% |
| REGINA K SANTANGELO | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $740 | $42 | $782 | 1.76% |
| JENNIFER L FOSS Filed as: JENNIFER FOSS | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | AFLAC | $392 | $18 | $410 | 0.92% |
| ZENAT SHARIFF BELKIN | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $223 | $25 | $248 | 0.56% |
| JONATHAN SAMUEL KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $136 | — | $136 | 0.31% |
| CHRISTINE R FINN | 4464 COPELAND LOOP UNIT 202 HIGHLANDS RANCH, CO 80126 | AFLAC | $130 | — | $130 | 0.29% |
| DAVID J KASKA | 1862 DENVER WEST CT 224 LAKEWOOD, CO 80401 | AFLAC | $44 | — | $44 | 0.10% |
| JOSE DE LOS SANTOS III | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $39 | — | $39 | 0.09% |
| TIMOTHY B ASBY | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $38 | — | $38 | 0.09% |
| KIEFER GROUP INSURANCE AGCY LLC | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $33 | — | $33 | 0.07% |
| ALAN LECLAIRE | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $33 | — | $33 | 0.07% |
| TINA WAY | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $27 | — | $27 | 0.06% |
| JOHN P THOMPSON | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $4 | — | $4 | 0.01% |
| LINDA M WALLACE-PESCHKA | 16748 E SMOKY HILL RD UNIT 9C CENTENNIAL, CO 80015 | AFLAC | $3 | — | $3 | 0.01% |
| SARA BRIERY | 4 MARBURG LANE SAVANNAH, GA 31411 | AFLAC | $1 | — | $1 | 0.00% |
| TANYA L MARTINSON Filed as: TANYA MARTINSON | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $0 | — | $0 | 0.00% |
| PATTI ELMORE | PO BOX 215 ANANOLA, HI 96703 | AFLAC | $0 | — | $0 | 0.00% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $402 | $3K | 16.32% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $517 | $3K | 17.78% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $75 | $75 | 0.40% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST, STE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.05% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $983 | $214 | $1K | 15.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS EIN 59-1031071 | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $25K |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $566K |
| Dental | DELTA DENTAL OF COLORADO | 263 | $69K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 191 | $11K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.