| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $108K | — | $108K | 3.99% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 WEST 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 11.73% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $11K | $26K | 9.74% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 5.03% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 0.66% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | DELTA DENTAL OF KANSAS, INC. | $11K | — | $11K | 5.94% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | SURENCY LIFE AND HEALTH | $4K | — | $4K | 10.00% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 740 | $2.7M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 308 | $196K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 273 | $42K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 383 | $264K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 383 | $264K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 383 | $264K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 740 | $2.7M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 383 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.