| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA OF KANSAS INC. | PO BOX 2992 WICHITA, KS 67201 | UNIMERICA INSURANCE COMPANY | — | — | $0 | 0.00% |
| TFB GROUP SERVICES LLC3 Filed as: TFB GROUP BENEFITS LLC | 4801 W 110TH ST SUITE 200 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.05% |
| TFB GROUP SERVICES LLC3 Filed as: TFB GROUP BENEFITS LLC | 4801 W 110TH ST SUITE 200 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.07% |
| TFB GROUP SERVICES LLC3 Filed as: TFB GROUP BENEFITS LLC | 4801 W 110TH ST SUITE 200 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.02% |
| 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 | $112K |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 408 | $43K |
| Short-term disability | STANDARD INSURANCE COMPANY | 196 | $38K |
| Long-term disability | STANDARD INSURANCE COMPANY | 163 | $65K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 221 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.