| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $21K | $4K | $24K | 10.50% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $13K | $2K | $15K | 9.38% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $11K | $2K | $13K | 10.54% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 14.76% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 14.69% |
| IMA, INC.3 Filed as: IMA FINANCIAL GROUP, INC. | PO BOX 733835 DALLAS, TX 75373 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $328 | $2K | 7.01% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST., STE 100 DENVER, CO 80202 | METROPOLITAN GENERAL INSURANCE COMPANY | $809 | — | $809 | 3.54% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.98% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.89% |
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 | 1,384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 23 | $108K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,696 | $117K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,283 | $230K |
| Short-term disability | STANDARD INSURANCE COMPANY | 388 | $125K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,280 | $155K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 23 | $108K |
| Other(6 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,651 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,696 | — |
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.