| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 E DOUGLAS AVE SUITE 430 WICHITA, KS 67202 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 4.60% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.05% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF KANSAS, INC. | $10K | — | $10K | 7.16% |
| IMA, INC.3 | 430 E DOUGLAS AVE SUITE 430 WICHITA, KS 67202 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 6.68% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $765 | $765 | 1.08% |
| IMA, INC.3 | 430 E DOUGLAS AVE SUITE 430 WICHITA, KS 67202 | STANDARD INSURANCE COMPANY | $8K | $568 | $9K | 19.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD. | 6100 S YALE AVE SUITE 1900 TULSA, OK 74136 | STANDARD INSURANCE COMPANY | $176 | $756 | $932 | 2.05% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $500 | $500 | 1.10% |
| IMA, INC.3 | 430 E DOUGLAS AVE SUITE 430 WICHITA, KS 67202 | STANDARD INSURANCE COMPANY | $4K | $635 | $5K | 11.98% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $432 | $432 | 1.07% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | SURENCY LIFE AND HEALTH | $3K | — | $3K | 9.83% |
| B & C AGENCY INC4 Filed as: B & C AGENCY, INC. | 7867 SOUTHEAST 197TH TERRACE LATHAM, KS 67072 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 18.38% |
| MILES HARVEY4 | 2774 SE 12TH EL DORADO, KS 67042 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $72 | — | $72 | 0.66% |
| AMBER CLARK4 | 10647 SOUTHEAST CHELSEA ROAD LEON, KS 67074 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | — | $24 | 0.22% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 253 | $137K |
| Vision | SURENCY LIFE AND HEALTH | 193 | $35K |
| Life insurance | STANDARD INSURANCE COMPANY | 447 | $151K |
| Short-term disability | STANDARD INSURANCE COMPANY | 164 | $71K |
| Long-term disability | STANDARD INSURANCE COMPANY | 76 | $40K |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 447 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.