| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 17.82% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 4.72% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | VCP SERVICES, INC. | $920 | — | $920 | 10.00% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | COMBINED INSURANCCE | $30 | — | $30 | 4.06% |
| NATIONAL INSURANCE MARKETING BROKER4 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 14.95% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | FIDELITY LIFE ASSOCIATION | $7 | — | $7 | 4.05% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMBINED INSURANCCE | 2 | $912 |
| Vision | VCP SERVICES, INC. | 79 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $27K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $27K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.