| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA | 8200 E 32ND ST. N. WICHITA, KS 672262618 | BLUE CROSS BLUE SHIELD OF KANSAS | $28K | — | $28K | 6.25% |
| IMA, INC.3 | 8200 E. 32ND ST N. WICHITA, KS 672262618 | DELTA DENTAL OF KANSAS, INC. | $6K | — | $6K | 6.30% |
| KEVIN D INGWERSON3 Filed as: KEVIN INGWERSON | 9402 E 43RD CIR N WICHITA, KS 672268926 | AFLAC | $4K | $132 | $4K | 11.83% |
| JUSTIN C CARSON3 | 7701 E. KELLOGG DR STE 660 WICHITA, KS 672071525 | AFLAC | $801 | $27 | $828 | 2.49% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW BOULDER, CO 803040422 | AFLAC | $566 | $26 | $592 | 1.78% |
| OTHER AGENTS3 | 1932 WYNNTON ROAD COLUMBUS, GA 319990001 | AFLAC | $380 | — | $380 | 1.14% |
| IMA, INC.3 | 8500 E. 32ND ST. N. WICHITA, KS 672262618 | SURENCY LIFE AND HELATH INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| KEVIN D INGWERSON4 | 208 S PUTTER ANDOVER, KS 670028818 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $1K | — | $1K | 17.64% |
| THOMAS OWENS4 Filed as: THOMAS K. OWENS | P.O. BOX 781431 WICHITA, KS 672781431 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $38 | — | $38 | 0.56% |
| KIMBERLY S. PEGG4 | 319 SANDALWOOD DR. HAYSVILLE, KS 670601045 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $9 | — | $9 | 0.13% |
| IMA, INC.3 Filed as: IMA OF KANSAS | 8500 E 32ND ST N WICHITA, KS 672262618 | DELTA DENTAL OF KANSAS INC | — | — | $0 | 0.00% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 37 | $33K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF KANSAS, INC. | 113 | $123K |
| Vision(2 contracts, 2 carriers) | SURENCY LIFE AND HELATH INSURANCE COMPANY | 72 | $13K |
| Life insurance(2 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 174 | $88K |
| Long-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 174 | $55K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 265 | $453K |
| Other(3 contracts, 3 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 174 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.