| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE #430 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $10K | — | $10K | 6.53% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE #430 WICHITA, KS 67202 | THE STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.01% |
| IMA, INC.3 Filed as: IMA INC. | 430 EAST DOUGLAS AVE #430 WICHITA, KS 67202 | THE STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.17% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE #430 WICHITA, KS 67202 | SURENCY LIFE AND HEALTH | $3K | — | $3K | 9.93% |
| IMA, INC.3 Filed as: IMA INC. | 430 EAST DOUGLAS AVE #430 WICHITA, KS 67202 | THE STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.09% |
| IMA, INC.3 Filed as: IMA INC. | 430 E DOUGLAS AVE #430 WICHITA, KS 67202 | THE STANDARD INSURANCE COMPANY | $4K | — | $4K | 13.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S YALE AVE SUITE 1900 TULSA, OK 74136 | THE STANDARD INSURANCE COMPANY | $936 | — | $936 | 3.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD SUITE 200 MELVILLE, NY 11747 | THE STANDARD INSURANCE COMPANY | — | $90 | $90 | 0.32% |
| B & C AGENCY INC3 | 7867 SE 197TH TER LATHAM, KS 670729003 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 92.40% |
| PARRISH & ASSOCIATES3 | 4959 MEADOW BROOK RD BIRMINGHAM, AL 352422915 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $189 | — | $189 | 12.08% |
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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 255 | $150K |
| Vision | SURENCY LIFE AND HEALTH | 197 | $35K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 415 | $124K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 155 | $58K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 69 | $29K |
| Other(4 contracts, 3 carriers) | THE STANDARD INSURANCE COMPANY | 415 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.