| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 5.92% |
| IMA, INC.3 Filed as: IMA INC | 14221 DALLAS PKWY STE 700 DALLAS, TX 75254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $139 | $3K | 6.58% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $579 | $579 | 1.29% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $566 | $566 | 1.27% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $104 | $104 | 0.23% |
| IMA, INC.3 Filed as: IMA INC. | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $139 | $4K | 9.82% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $583 | $583 | 1.31% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $532 | $532 | 1.20% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $98 | $98 | 0.22% |
| IMA, INC.3 Filed as: IMA INC | 14221 DALLAS PKWY STE 700 DALLAS, TX 75254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $139 | $5K | 20.60% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $297 | $297 | 1.27% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $260 | $260 | 1.12% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $56 | $56 | 0.24% |
| IMA, INC.3 Filed as: IMA INC | 14221 DALLAS PKWY SUITE 700 DALLAS, TX 75254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $139 | $2K | 9.96% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $293 | $293 | 1.29% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $292 | $292 | 1.29% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $53 | $53 | 0.23% |
| IMA, INC.3 Filed as: IMA INC | 14221 DALLAS PKWY STE 700 DALLAS, TX 75254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $139 | $3K | 15.82% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $236 | $236 | 1.39% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $208 | $208 | 1.22% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $44 | $44 | 0.26% |
| IMA, INC.3 Filed as: IMA INC | 14221 DALLAS PKWY STE 700 DALLAS, TX 75254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $139 | $3K | 21.03% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $168 | $168 | 1.25% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $155 | $155 | 1.15% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33 | $33 | 0.24% |
| IMA, INC.3 Filed as: IMA INC | 14221 DALLAS PKWY STE 700 DALLAS, TX 75254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $139 | $3K | 21.11% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $156 | $156 | 1.25% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $132 | $132 | 1.06% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $31 | $31 | 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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 122 | $88K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $19K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $44K |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.