| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 E DOUGLAS SUITE 400 WICHITA, KS 67202 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $41K | $0 | $41K | 1.72% |
| IMA, INC.3 Filed as: IMA INC | ATTN DIRECT BILL TEAM 9393 W 110TH ST SUITE 600 OVERLAND PARK, KS 66210 | ADVANCE INSURANCE COMPANY OF KANSAS | $15K | $0 | $15K | 11.88% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCI | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $783 | $783 | 5.00% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 449 | $2.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 449 | $2.4M |
| Life insurance | ADVANCE INSURANCE COMPANY OF KANSAS | 634 | $125K |
| Short-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 634 | $125K |
| Long-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 634 | $125K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 449 | $2.4M |
| Other(2 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 634 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.