| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $597 | $6K | 11.10% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET, 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $810 | $810 | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $15 | $4K | 8.46% |
| VOLUNTARY SOLUTIONS INC3 | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $829 | $17 | $846 | 1.68% |
| SELECTIVE OPTIONS INC3 | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $0 | $236 | 0.47% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $13 | $200 | 0.40% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 11.90% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $5K | $0 | $5K | — |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 250 | $0 |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 158 | $10K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $104K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $54K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.