| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AETNA LIFE INSURANCE CO. | $24K | $2K | $25K | 4.32% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 6.18% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.37% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE ST, STE 300 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.78% |
| IMA, INC.3 | PO BOX 2991 8200 E 32ND ST WICHITA, KS 67201 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 14.61% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.48% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE ST, STE 300 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $662 | $662 | 2.46% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.99% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE ST, STE 300 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $240 | $240 | 2.39% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | SURENCY LIFE AND HEALTH | $894 | — | $894 | 10.00% |
| IMA, INC.3 | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $410 | — | $410 | 11.66% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE ST, STE 300 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $81 | $81 | 2.30% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 135 | $588K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 93 | $52K |
| Vision | SURENCY LIFE AND HEALTH | 80 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $27K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 77 | $10K |
| Other(5 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 161 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.