| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 2.98% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $563 | $8K | 14.35% |
| DON C SUNDAY3 Filed as: DON SUNDAY | 2037 SOUTH GRAY DRIVE LAKEWOOD, CO 80227 | AFLAC | $2K | $0 | $2K | 7.04% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $1K | $0 | $1K | 3.33% |
| GREGORY G WAY3 Filed as: GREGORY WAY | 1828 SHADOW CREEK DRIVE CASTLE ROCK, CO 80104 | AFLAC | $438 | $0 | $438 | 1.45% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN KIRKLAND AND OTHERS | 1270 HOPEWELL CREST ALPHARETTA, GA 30004 | AFLAC | $363 | $0 | $363 | 1.20% |
| LINDSAY LIJEWSKI3 | 6025 SOUTH QUEBEC STREET SUITE 360 ENGLEWOOD, CO 80111 | AFLAC | $276 | $0 | $276 | 0.91% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $204 | $0 | $204 | 0.67% |
| CHRISTINE R FINN3 Filed as: CHRISTINE FINN | 17569 PINE LANE APARTMENT 1213 PARKER, CO 80134 | AFLAC | $100 | $0 | $100 | 0.33% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.60% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 203 | $63K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 184 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $56K |
| Short-term disability | AFLAC | 18 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $56K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.