| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 EAST DOUGLAS AVE SUITE 400 WICHITA, KS 672023408 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $27K | $27K | 2.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 6.37% |
| IMA, INC.3 | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $4K | $2K | $5K | 6.34% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 4.66% |
| IMA, INC.3 | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $4K | $696 | $5K | 12.42% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 5.41% |
| IMA, INC.3 | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $2K | $571 | $3K | 9.28% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 5.97% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 606544007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $187 | — | $187 | 1.50% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $1.3M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 121 | $59K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 161 | $80K |
| Short-term disability | STANDARD INSURANCE COMPANY | 120 | $30K |
| Long-term disability | STANDARD INSURANCE COMPANY | 121 | $36K |
| Other | STANDARD INSURANCE COMPANY | 161 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
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.