| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE SUITE 400 WICHITA, KS 67206 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $144K | — | $144K | 2.18% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $8K | $8K | 0.12% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $19K | — | $19K | 3.87% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $1K | $15K | 8.55% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $1K | $17K | 10.71% |
| KENNEDY MICHENER BENEFITS, LLC3 Filed as: KENNEDY MICHENER BENEFITS | 950 S CHERRY ST STE 1222 DENVER, CO 80246 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $539 | — | $539 | 0.34% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $2K | — | $2K | 2.97% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $239 | $3K | 10.70% |
| KENNEDY MICHENER BENEFITS, LLC3 Filed as: KENNEDY MICHENER BENEFITS | 950 S CHERRY ST STE 1222 DENVER, CO 80246 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $93 | — | $93 | 0.34% |
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 | 727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,123 | $6.6M |
| Dental | DELTA DENTAL OF COLORADO | 1,234 | $485K |
| Vision | VISION SERVICE PLAN | 540 | $76K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 722 | $179K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 711 | $161K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,123 | $6.6M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 711 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,234 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.