| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC -000 | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.46% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 16.28% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $8K | $14K | 55.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTINENTIAL BENEFITS EIN 38-3919227 SERVICE PROVIDER | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 5701 E HILLSBOROUGH AVE 1417 TAMPA, FL 33610 | $70K |
| AETNA LIFE INSURANCE EIN 06-6033492 SERVICE PROVIDER | Direct payment from the plan; Claims processing Service code 12 | — | $33K |
| IMA INC EIN 20-2557329 SERVICE PROVIDER | Claims processing; Direct payment from the plan Service code 12 | PO BOX 2992 WICHITA, KS 67201 | $26K |
| ALIGHT SOLUTION EIN 82-1061233 SERVICE PROVIDER | Direct payment from the plan; Claims processing Service code 12 | — | $11K |
| PHIA GROUP EIN 46-1439866 SERVICE PROVIDER | Direct payment from the plan; Claims processing Service code 12 | — | $6K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 SERVICE PROVIDER | Claims processing; Direct payment from the plan Service code 12 | — | $0 |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 531 | $114K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 531 | $114K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 264 | $96K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 264 | $96K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 264 | $96K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 83 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.