| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $68K | — | $68K | 2.05% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.09% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.95% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | SURENCY LIFE AND HEALTH | $6K | — | $6K | 10.00% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 775 | $3.3M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 376 | $327K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 359 | $56K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 516 | $100K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 450 | $135K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 450 | $81K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 775 | $3.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 436 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.