| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.95% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE ST, STE 300 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 2.45% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $493 | $493 | 0.49% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 6.24% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE ST, STE 300 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 2.31% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $464 | $464 | 0.46% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP. | $4K | $2K | $6K | 13.70% |
| IMA, INC.3 | 1538 W SANDALWOOD DRIVE LEHI, UT 84043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| IMA, INC.3 | 1538 W SANDALWOOD DRIVE LEHI, UT 84043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.12% |
| IMA, INC.3 | 1538 W SANDALWOOD DRIVE LEHI, UT 84043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 22.78% |
| IMA, INC.3 | 1538 W SANDALWOOD DRIVE LEHI, UT 84043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 23.21% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.87% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE ST, STE 300 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $289 | $289 | 2.24% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $36 | $36 | 0.28% |
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 | 437 | 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) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 578 | $42K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 603 | $100K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 58 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $101K |
| Other(5 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,138 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,138 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.