| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF MISSOURI | $13K | — | $13K | 1.99% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $103K | $8K | $111K | 17.07% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $10K | — | $10K | 5.00% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $497 | $12K | 6.58% |
| DIRECTPATH, LLC3 | 120 18TH STREET SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $437 | $8K | 4.47% |
| TRUSS, LLC3 | 4550 WEST 109TH STREET SUITE 300 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3 | $5K | 2.59% |
| ANTHONY G DRUMMOND CLU INS BROKER3 Filed as: ANTHONY G. DRUMMOND CLU INSURANCE | BROKERAGE SERVICES LLC 400 JULES STREET, SUITE 310 SAINT JOSEPH, MO 64501 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $5K | $30K | 17.85% |
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 | 1,079 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,087 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 2,669 | $654K |
| Vision | VISION SERVICE PLAN | 975 | $191K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,504 | $651K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,504 | $651K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $169K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,504 | $827K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,669 | — |
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.