| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.06% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | VCP SERVICES, INC DBA VISION CARE DIRECT | $2K | — | $2K | 5.00% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 18.00% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $613 | — | $613 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDTRAK SERVICES, LLC EIN 36-4221427 NONE | Claims processing Service code 12 | — | $9K |
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 | 388 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC | 235 | $0 |
| Vision | VCP SERVICES, INC DBA VISION CARE DIRECT | 388 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $26K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 227 | $372K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.