| 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 | $38K | $100K | $138K | 23.27% |
| 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 | $2K | $232 | $2K | 6.01% |
| IMA, INC. Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $555 | $0 | $555 | 1.35% |
| REGINA K SANTANGELO | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $434 | $46 | $480 | 1.17% |
| JENNIFER L FOSS Filed as: JENNIFER FOSS | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | AFLAC | $176 | $46 | $222 | 0.54% |
| ZENAT SHARIFF BELKIN | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $207 | $0 | $207 | 0.51% |
| JONATHAN SAMUEL KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $109 | $0 | $109 | 0.27% |
| CHRISTINE R FINN | 4464 COPELAND LOOP UNIT 202 HIGHLANDS RANCH, CO 80126 | AFLAC | $108 | $0 | $108 | 0.26% |
| JOSE DE LOS SANTOS III | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $33 | $0 | $33 | 0.08% |
| KIEFER GROUP INSURANCE AGCY LLC | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $31 | $0 | $31 | 0.08% |
| ALAN LECLAIRE | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $25 | $0 | $25 | 0.06% |
| TINA WAY | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $21 | $0 | $21 | 0.05% |
| TIMOTHY B ASBY | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $18 | $0 | $18 | 0.04% |
| DAVID J KASKA | 1862 DENVER WEST CT 224 LAKEWOOD, CO 80401 | AFLAC | $8 | $0 | $8 | 0.02% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $102 | $3K | 14.07% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $93 | $3K | 15.51% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| 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 | $942 | $40 | $982 | 12.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS EIN 59-1031071 | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $171K |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $594K |
| Dental | DELTA DENTAL OF COLORADO | 226 | $60K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 171 | $10K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 28 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.