| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 EAST DOUGLAS STREET SUITE 400 WICHITA, KS 67202 | HEALTH CARE SERVICE CORPORATION | — | $23K | $23K | 0.30% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 802021657 | RELIASTAR LIFE INSURANCE COMPANY | $35K | $20K | $55K | 10.89% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $8K | $8K | 1.50% |
| IMA, INC.3 Filed as: IMA FINANCIAL GROUP, INC. | PO BOX 733835 DALLAS, TX 75373 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 8.43% |
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 | 1,391 | 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) | 1,391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,673 | $7.6M |
| Dental | AMERITAS LIFE INSURANCE CORP | 2,211 | $526K |
| Vision | VISION SERVICE PLAN | 917 | $107K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,728 | $501K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,728 | $501K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,728 | $501K |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,728 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,211 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.