| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $175K | — | $175K | 15.32% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | HARTFORD LIFE AND ACCIDENT | — | $21K | $21K | 1.81% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF MISSOURI | $20K | $7K | $27K | 2.87% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $11K | — | $11K | 4.78% |
| IMA, INC.3 Filed as: IMA FINANCIAL GROUP | PO BOX 2992 WICHITA, KS 67201 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $5K | — | $5K | 8.44% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | METLIFE LEGAL PLANS | $4K | — | $4K | 9.78% |
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 | 1,735 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 0 | $61K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 3,478 | $1.0M |
| Vision | VISION SERVICE PLAN | 1,325 | $235K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,110 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,110 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,110 | $1.1M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 23,110 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,110 | — |
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.