| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 0.31% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 5.96% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST N WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 17.03% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.97% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 10.01% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST N WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $509 | — | $509 | 4.89% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $271 | — | $271 | 2.61% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $844 | $337 | $1K | 15.33% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $312 | $8 | $320 | 4.15% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $281 | $281 | 3.65% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $393 | $164 | $557 | 11.32% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $345 | $13 | $358 | 7.27% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 255 | $1.6M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 113 | $76K |
| Vision | SURENCY LIFE AND HEALTH | 82 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $24K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $10K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.