| 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 | $64K | — | $64K | 2.90% |
| IMA, INC.3 | 1705 17TH ST. STE. 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $19K | $33K | 8.73% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W. ERIE ST. SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.37% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS (SEE ATTACHED) | PO BOX 427 COLUMBIA, SC 292021365 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.42% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $1K | — | $1K | 5.37% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W. ERIE ST. SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $107 | — | $107 | 0.50% |
| IMA, INC.3 | 1705 17TH ST. DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| IMA, INC.3 | 1705 17TH ST. STE. 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| IMA, INC.3 | 1705 17TH ST. STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $631 | — | $631 | 20.01% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 352 | $2.2M |
| Vision | VISION SERVICE PLAN | 199 | $21K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $379K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $379K |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.