| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA, INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | AIG BENEFIT SOLUTIONS - NATIONAL UNION FIRE INSURANCE | $29K | — | $29K | 15.00% |
| IMA, INC.3 | 1705 17TH ST SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 14.94% |
| TFB GROUP SERVICES LLC3 Filed as: TFB GROUP BENEFITS LLC | 4801 W 110TH ST SUITE 200 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.91% |
| TFB GROUP SERVICES LLC3 Filed as: TFB GROUP BENEFITS LLC | 4801 W 110TH ST SUITE 200 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | FINANCIAL SPECIAL SERVICES PO BOX 1087 WAUSAU, WI 54402 | $91K |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 391 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 133 | $54K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AIG BENEFIT SOLUTIONS - NATIONAL UNION FIRE INSURANCE | 198 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.