| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 8200 E 32ND STREET N WICHITA, TX 67226 | HEALTH CARE SERVICE CORPORATION | $110K | $4 | $110K | 4.30% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $25K | $25K | 59.81% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $883 | $7K | 17.11% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $627 | $627 | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $757 | $6K | 17.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $568 | $568 | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWYSTE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $752 | $6K | 17.09% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STS T E 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $539 | $539 | 1.50% |
| IMA, INC.3 | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.98% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $398 | $3K | 17.07% |
| WATCHTOWER BENEFITS, LLC3 | 227 WMONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $289 | $289 | 1.50% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $566 | $75 | $641 | 16.99% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97 | $13 | $110 | 16.98% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76 | $10 | $86 | 17.06% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 355 | $2.6M |
| Dental | HEALTH CARE SERVICE CORPORATION | 355 | $2.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 181 | $25K |
| Life insurance(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 315 | $62K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $40K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 61 | $42K |
| Other(5 contracts, 3 carriers) | HEALTH CARE SERVICE CORPORATION | 355 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
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.