| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $512 | $512 | 0.48% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $604 | $604 | 0.68% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $39 | $39 | 0.82% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | — | $72 | $72 | 2.20% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 140 | $106K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 140 | $106K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $88K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $88K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
No prospect flags tripped on this filing.