| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AETNA LIFE INSURANCE CO. | $57K | $182 | $57K | 1.35% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | — | $33K | 14.12% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FREEWAY 200 DALLAS, TX 75240 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.79% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | DELTA DENTAL OF KANSAS, INC. | $10K | — | $10K | 5.85% |
| IMA, INC.3 Filed as: IMA - OVERLAND PARK, KS | PO BOX 2992 WICHITA, KS 672012992 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY SUITE 500 KANSAS CITY, MO 64114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $713 | — | $713 | 1.47% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST SUITE 100 DENVER, CO 80202 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 9.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2000 S COLORADO BLVD TOWER 2, SUITE 150 DENVER, CO 80222 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $237 | — | $237 | 1.75% |
| WELLS HOUSTON LLC3 | 6940 OLDE ATLANTA PKWY SUWANEE, GA 30024 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $100 | — | $100 | 0.74% |
| QUINCY LEGACY GROUP LLC3 | 5406 HERRON DR SW ATLANTA, GA 30349 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $34 | — | $34 | 0.25% |
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 | 223 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 478 | $4.3M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 214 | $178K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 378 | $48K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 427 | $237K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 427 | $237K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 427 | $237K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 427 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.