| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 E DOUGLAS AVE SUITE 400 WICHITA, KS 67202 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $20K | — | $20K | 1.80% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | $10K | $1K | $11K | 16.80% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 5.24% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $980 | — | $980 | 3.73% |
| IMA, INC.3 | P.O. BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $967 | — | $967 | 6.05% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | TRUSTMARK LIFE INSURANCE COMPANY | $309 | — | $309 | 4.00% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | HARTFORD LIFE AND ACCIDENT | $113 | $19 | $132 | 17.60% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 192 | $1.1M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 57 | $66K |
| Vision | VISION SERVICE PLAN | 80 | $16K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 186 | $73K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 147 | $65K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 147 | $65K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 192 | $1.1M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 186 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.