| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 1.40% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST. SUITE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 0.87% |
| IMA, INC.3 | 1705 17TH ST. STE. 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $21K | $27K | 6.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 803507 MSC 17149 DALLAS, TX 75380 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 1.61% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.28% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W. ERIE ST. SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.49% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS (SEE ATTACHED) | PO BOX 427 COLUMBIA, SC 292021365 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 16.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | — | $1K | 4.38% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $538 | — | $538 | 2.32% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W. ERIE ST. SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $116 | — | $116 | 0.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1900 SIXTEENTH ST. SUITE 1000 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 14.43% |
| IMA, INC.3 | 1705 17TH ST. STE. 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $428 | — | $428 | 5.57% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $2.6M |
| Vision | VISION SERVICE PLAN | 198 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $415K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $415K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.