| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP. | $10K | $3K | $13K | 12.50% |
| IMA, INC.3 Filed as: IMA INC. | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.05% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.49% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.48% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 15.96% |
| IMA, INC.3 | P.O. BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 10.38% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $779 | $2K | 15.55% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBAL MEDICAL RESPONSE, INC. | 0 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORP. | 279 | $103K |
| Vision | VISION SERVICE PLAN | 108 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $48K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 150 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.