| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 6200 LYNDON B JOHNSON FWY DALLAS, TX 75240 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 0.25% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AETNA LIFE INSURANCE COMPANY | $699 | — | $699 | 0.03% |
| BUKATY COMPANIES3 Filed as: BUKATY AGENCY, INC. | 4601 COLLEGE BLVD. LEAWOOD, KS 66211 | AETNA LIFE INSURANCE COMPANY | -$6K | — | -$6K | -0.25% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH NORTH WICHITA, KS 67226 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.46% |
| ROBIN H. ALSTON3 Filed as: ROBIN ALSTON | P O BOX 20787 ATLANTA, GA 30320 | SYMETRA LIFE INSURANCE COMPANY | $10K | — | $10K | 13.70% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 357 | $2.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 357 | $2.2M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 219 | $80K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 205 | $71K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 219 | $80K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 205 | $71K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 357 | $2.2M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 219 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
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.