| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | — | $61K | 4.39% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 2829 WYANDOT ST DENVER, CO 80211 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 0.88% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 9.72% |
| IMA, INC. Filed as: IMA INC | PO BOX 955 KITTANNING, PA 16201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | — | $277 | 4.93% |
| VOLUNTARY SOLUTIONS INC | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $33 | $130 | 2.31% |
| EDWARD JOSEPH CORBETT | 6185 S PARIS STREET GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 2.10% |
| KRISTEN ELISE RANDALL | 22 S GAY DRIVE LONGMONT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $1 | $117 | 2.08% |
| MELISSA A KOLL | 216 CLIMAX DR DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $16 | $56 | 1.00% |
| SELECTIVE OPTIONS INC | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $3 | $53 | 0.94% |
| AMANDA CAROL MAYFIELD | 2055 ODENS MILL RD SYLACAUGA, AL 35151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $1 | $23 | 0.41% |
| TIMOTHY J SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $2 | $20 | 0.36% |
| RPM BENEFIT ADVISORS LLC | 2997 HYDRA DR LOVELAND, CO 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.30% |
| BRIAN DAVID ADAMSKI | 115 PINE STREET GLEN ROCK, PA 17327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.27% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: WARNER PACIFIC INSURANCE SERVICES I | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.21% |
| ADAM DANIEL LEVINE | 200 BUTLER AVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.07% |
| BRENT L GOODE Filed as: BRENT MCVICKER | 75 KATYDID LN MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| MARY CATHERINE WILLIAMS Filed as: MARY CATHERINE WILLIMAS | 11059 E BETHANY DR STE 240 AURORA, CO 80014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| JT BENEFITS LLC | 262 YEAGER PKWY PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| C&J BENEFITS AGENCY LLC | 262 YEAGER PARKWAY PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 339 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 339 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 339 | $1.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $112K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $112K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $112K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.