| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 4.58% |
| IMA, INC.3 | P.O. BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $7K | — | $7K | 3.91% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $3K | $25K | 16.70% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 6.23% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 752542942 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 22.83% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC THREEFLOW | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.51% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.50% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 752542942 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 23.35% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $943 | $943 | 1.62% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC THREEFLOW | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $847 | — | $847 | 1.45% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 752542942 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 23.10% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $550 | $550 | 1.50% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC THREEFLOW | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $534 | — | $534 | 1.46% |
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 | 1,225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,026 | $187K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,222 | $225K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,222 | $200K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,222 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,222 | — |
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.