| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.45% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.27% |
| IMA, INC.3 Filed as: IMA | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.67% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WITCHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.80% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.61% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST. SSUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 16.96% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST. SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | — | $127 | 18.49% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST. SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $361 | — | $361 | 55.03% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 4.63% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 8.33% |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 631 | $31K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 491 | $97K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 477 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 477 | $96K |
| Other(8 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 491 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 631 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.