| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 7.41% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.36% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.77% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $482 | $3K | 15.13% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | — | $737 | $737 | 3.73% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $705 | — | $705 | 3.56% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $938 | $349 | $1K | 9.92% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | — | $564 | $564 | 4.35% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $236 | — | $236 | 1.82% |
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 | 449 | 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) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 711 | $160K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 711 | $160K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 711 | $160K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 711 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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.