| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTRUST AGENCIES INC3 Filed as: ENTRUST, INC. | — | QBE INSURANCE | — | $31K | $31K | 6.47% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.86% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 16.28% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.85% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 10.84% |
| IMA, INC.3 Filed as: IMA - OVERLAND PARK, KS | PO BOX 2992 WICHITA, KS 67201 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.10% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $148 | — | $148 | 10.84% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $93K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 259 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58 | $79K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $70K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $74K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 147 | $484K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.