| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF KANSAS, INC. | $12K | — | $12K | 7.58% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 5.14% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 1.08% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL, LLC | P.O. BOX 711 RETURN TO HOME OFFICE PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | $0 | -$1K | -$1K | -0.95% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS, LLC | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | -$8K | -$8K | -6.44% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | $836 | $4K | 7.15% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $639 | $639 | 1.10% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL, LLC | P.O. BOX 711 RETURN TO HOME OFFICE PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | $0 | -$432 | -$432 | -0.74% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS, LLC | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | -$3K | -$3K | -5.90% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | SURENCY LIFE AND HEALTH | $4K | — | $4K | 10.00% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $6K | $168 | $6K | 15.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $2K | $538 | $2K | 5.90% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $115 | $115 | 0.29% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 14.73% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $323 | $323 | 0.90% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL, LLC | P.O. BOX 711 RETURN TO HOME OFFICE PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | $0 | -$242 | -$242 | -0.68% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS, LLC | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | -$2K | -$2K | -6.00% |
| 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 | 19.52% |
| AMBER CLARK4 | 10647 SOUTHEAST CHELSEA ROAD LEON, KS 67074 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $62 | — | $62 | 0.65% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 257 | $156K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 196 | $41K |
| Life insurance | STANDARD INSURANCE COMPANY | 437 | $120K |
| Short-term disability | STANDARD INSURANCE COMPANY | 159 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 75 | $36K |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 437 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.