| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $34K | — | $34K | 5.01% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH DENVER, CO 80202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $627 | $7K | 12.48% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE ST, STE 300 CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $890 | — | $890 | 1.50% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS, INC. | 9720 E 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | $68 | $501 | 6.54% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $71 | $488 | 6.37% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | $82 | $470 | 6.14% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISOR LLC | 489 ROAD 209 BIG SPREINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.09% |
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 | 112 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 89 | $678K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $59K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $59K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $59K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.