| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $44K | $1K | $45K | 1.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $12K | — | $12K | 0.28% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF COLORADO | $20K | — | $20K | 4.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF COLORADO | $11K | — | $11K | 2.45% |
| STEPHEN J. ALABACH3 | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.39% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY CO. | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.76% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.82% |
| STEPHEN J. ALABACH3 | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.03% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY CO. | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $558 | $558 | 0.75% |
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 | 847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,317 | $4.3M |
| Dental | DELTA DENTAL OF COLORADO | 1,334 | $453K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,159 | $78K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 808 | $248K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 808 | $174K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,317 | $4.3M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 808 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,334 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.