| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC (CO) | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $186K | $186K | 1.70% |
| IMA, INC.3 Filed as: IMA INC (CO) | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 0.06% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $27K | — | $27K | 4.49% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 11.62% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES INC DBA TH | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.50% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 733835 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $972 | $972 | 0.53% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.01% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES INC DBA TH | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.50% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 733835 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $870 | $870 | 0.66% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 2.74% |
| IMA, INC.3 Filed as: IMA INC (CO) | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $3K | $13K | 19.05% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES INC DBA TH | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $414 | $414 | 1.50% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 733835 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $36 | $36 | 0.13% |
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 | 790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 702 | $10.9M |
| Dental | DELTA DENTAL OF COLORADO | 1,350 | $591K |
| Vision | VISION SERVICE PLAN | 598 | $88K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 863 | $184K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 779 | $131K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 863 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,350 | — |
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."
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.