| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $64K | $68K | 3.05% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $11K | 17.31% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $7K | 12.69% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $944 | $5K | 12.39% |
| IMA, INC.3 Filed as: IMA - OVERLAND PARK, KS | PO BOX 2992 WICHITA, KS 67201 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.19% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | $81 | $401 | 12.54% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $2.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 311 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $58K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $65K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
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.