| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | MEDICA INSURANCE COMPANY | $34K | — | $34K | 2.25% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | MEDICA INSURANCE COMPANY | — | $564 | $564 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 8400 NORMANDALE LAKE BLVD STE 1700 MINNEAPOLIS, MN 55437 | MEDICA INSURANCE COMPANY | — | $564 | $564 | 0.04% |
| IMA, INC.3 Filed as: IMA | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $502 | $502 | 1.16% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $449 | $449 | 1.04% |
| IMA, INC.3 Filed as: IMA | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $193 | $193 | 1.14% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $182 | $182 | 1.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93076 NETWORK PL CHICAGO, IL 606730001 | VISION SERVICE PLAN | $771 | — | $771 | 6.73% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $565 | — | $565 | 4.93% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 215 | $1.5M |
| Vision | VISION SERVICE PLAN | 81 | $11K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $43K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $17K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.