| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.7 Filed as: IMA OF KANSAS , INC. | P O BOX 2992 WICHITA, KS 67201 | WESTPORT INSURANCE CORPORATION | $59K | — | $59K | 15.00% |
| IMA, INC.7 | PO BOX 2992 WICHITA, KS 67202 | DELTA DENTAL PLAN OF KANSAS, INC. | $8K | — | $8K | 5.96% |
| IMA, INC.7 | P O BOX 2992 WICHITA, KS 67201 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $56K |
| CIGNA PPO EIN 59-1031071 NONE | Claims processing; Other services Service code 12 | — | $24K |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF KANSAS, INC. | 167 | $133K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 125 | $29K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 142 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.