| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST. STE. 100 DENVER, CO 80202 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $76K | — | $76K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 400 MIDLAND DRIVE MT LAUREL, NJ 08054 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.42% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $8K | — | $8K | 9.18% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 21.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 9200 INDIAN CREEK PKWY STE 195 OVERLAND PARK, KS 66210 | METROPOLITAN LIFE INSURANCE COMPANY | -$246 | — | -$246 | -1.61% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 20.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2345 GRAND BLVD STE 400 KANSAS CITY, MD 64108 | METROPOLITAN LIFE INSURANCE COMPANY | -$72 | — | -$72 | -1.35% |
| IMA, INC.3 | 1705 17TH ST. STE. 100 DENVER, CO 80202 | METLIFE LEGAL PLANS | $475 | $33 | $508 | 10.61% |
| IMA, INC.3 | 1705 17TH ST. STE. 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $703 | $31 | $734 | 20.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 9200 INDIAN CREEK PKWY STE. 195 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $17 | $17 | 0.48% |
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 | 611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 546 | $88K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,281 | $764K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,281 | $764K |
| Other(7 contracts, 6 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,281 | $810K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,281 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.