| 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 | $11K | $454 | $12K | 10.30% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 21.30% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.30% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.46% |
| IMA, INC.3 | P.O. BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $3K | — | $3K | 10.47% |
| JENNIFER L FREEMAN3 Filed as: JENNIFER LEE FREEMAN | 4879 STREAMBED TRL PARKER, CO 801345218 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 13.97% |
| IMA, INC.3 Filed as: IMA INC. | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.30% |
| DAYTON LLC3 Filed as: DAYTON, LLC | 5445 DTC PARKWAY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $505 | — | $505 | 3.01% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $941 | $2K | 16.55% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBAL MEDICAL RESPONSE, INC. | 0 | $0 |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $114K |
| Vision | VISION SERVICE PLAN | 117 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $47K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 161 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.