| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF MISSOURI | $14K | $3K | $17K | 2.21% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $98K | — | $98K | 17.09% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 1.41% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $9K | — | $9K | 4.49% |
| INSURANCE BROKER SERVICES LLC3 | 400 JULES STREET, SUITE 310 SAINT JOSEPH, MO 64501 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | — | $27K | 15.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 20.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.18% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.11% |
| TRUSS, LLC3 | 4550 W 109TH STREET, SUITE 300 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.06% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 25.02% |
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 | 940 | 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) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 3,102 | $762K |
| Vision | VISION SERVICE PLAN | 1,157 | $210K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 961 | $575K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 961 | $575K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 961 | $756K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 961 | $845K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,102 | — |
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.