| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE, SUITE 400 WICHITA, KS 67202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 20.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 6.61% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $24 | $24 | 0.03% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITS AT WORK, INC. | 3000 WINDY HILL ROAD SE #672617 MARIETTA, GA 30006 | WELLFLEET | $3K | $0 | $3K | 12.66% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $2K | $0 | $2K | 9.21% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | WELLFLEET | $882 | $0 | $882 | 3.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | WELLFLEET | $341 | $0 | $341 | 1.45% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30305 | WELLFLEET | $110 | $0 | $110 | 0.47% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITS AT WORK, INC. | 3000 WINDY HILL ROAD SE #672617 MARIETTA, GA 30006 | PROSPERITY LIFE GROUP | $795 | $0 | $795 | 11.64% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | PROSPERITY LIFE GROUP | $253 | $0 | $253 | 3.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | PROSPERITY LIFE GROUP | $102 | $0 | $102 | 1.49% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30305 | PROSPERITY LIFE GROUP | $46 | $0 | $46 | 0.67% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 112 | $95K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 112 | $95K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 112 | $95K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 112 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.