| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 2.76% |
| DON C SUNDAY3 | 2037 S GRAY DR LAKEWOOD, CO 80227 | AFLAC | $1K | $47 | $1K | 4.82% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, CO 67201 | AFLAC | $397 | — | $397 | 1.43% |
| REGINA K SANTANGELO3 | 6892 S. WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $223 | — | $223 | 0.81% |
| GREGORY G WAY3 | 1828 SHADOW CREEK DR CASTLE ROCK, CO 80104 | AFLAC | $96 | $11 | $107 | 0.39% |
| CHRISTINE R FINN3 | 17569 PINE LANE APT. # 1213 PARKER, CO 80134 | AFLAC | $100 | — | $100 | 0.36% |
| ZENAT SHARIFF BELKIN3 | 14204 W. EVANS CIR. LAKEWOOD, CO 80228 | AFLAC | $90 | — | $90 | 0.33% |
| DAYTON LLC | 5445 DTC PKWY STE. 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $77 | $11 | $88 | 0.32% |
| JOHNATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $87 | — | $87 | 0.31% |
| JENNIFER L FOSS3 Filed as: JENNIFER FOSS | 3177 W. INDIAN SUMMER LANE CASTLE ROCK, CO 80109 | AFLAC | $67 | — | $67 | 0.24% |
| KIEFER GROUP INSURANCE AGCY LLC3 Filed as: KIEFER GROUP INSURANCE AGCY, LLC | 155 INVERNESS DR. W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $25 | — | $25 | 0.09% |
| ALAN LECLAIRE3 Filed as: ALAN R. LECLAIRE | 1410 SE 12TH TER CAPE CORAL, FL 33990 | AFLAC | $23 | — | $23 | 0.08% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $22 | — | $22 | 0.08% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 11500 GOLDEN WILLOW CT. ZIONSVILLE, IN 46077 | AFLAC | $17 | — | $17 | 0.06% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $12 | — | $12 | 0.04% |
| DAVID J KASKA3 Filed as: DAVID J. KASKA | 501 BOURLAND RD APT 3209 KELLER, TX 76248 | AFLAC | $7 | — | $7 | 0.03% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $605 | $4K | 14.41% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $470 | $3K | 17.56% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST, STE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.04% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $206 | $1K | 14.62% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 201 | $59K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 165 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $27K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 171 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.