| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $1K | $11K | 11.20% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $5K | — | $5K | 20.18% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JENNIFER L FREEMAN3 | 4879 STREAMBED TRAIL PARKER, CO 80134 | AFLAC | $1K | $283 | $1K | 11.75% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $633 | — | $633 | 5.02% |
| BEVERLY L WEAVER3 | 152 E MARSHALL ST WAYNESVILLE, NC 28786 | AFLAC | $266 | $160 | $426 | 3.38% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $287 | $74 | $361 | 2.86% |
| CLINTON LEWIS ANDERSON3 | 5641 GREENWICH PARK DR. MASON, OH 45040 | AFLAC | $2 | — | $2 | 0.02% |
| JENNIFER L FREEMAN3 | 5520 MELANIE CIRCLE ELIZABETH, CA 80107 | AFLAC | $1K | $85 | $1K | 10.08% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $562 | — | $562 | 4.65% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $126 | $12 | $138 | 1.14% |
| BEVERLY L WEAVER3 | 152 E MARSHALL ST WAYNESVILLE, NC 28786 | AFLAC | $103 | — | $103 | 0.85% |
| JENNIFER L FREEMAN3 | 4879 STREAMBED TRAIL PARKER, CO 80134 | AFLAC | $80 | — | $80 | 0.66% |
| CLINTON LEWIS ANDERSON3 | 5641 GREENWICH PARK DR. MASON, OH 45040 | AFLAC | $11 | $2 | $13 | 0.11% |
| JENNIFER L FREEMAN3 | 5520 MELANIE CIRCLE ELIZABETH, CO 80107 | AFLAC | $143 | — | $143 | 7.54% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $64 | — | $64 | 3.37% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $18 | — | $18 | 0.95% |
| BEVERLY L WEAVER3 | 152 E MARSHALL ST WAYNESVILLE, NC 28786 | AFLAC | $16 | — | $16 | 0.84% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AIRMEDCARE NETWORK | 0 | $0 |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 141 | $101K |
| Vision | VISION SERVICE PLAN | 122 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $44K |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.