| 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 | $75K | — | $75K | 1.80% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.76% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.50% |
| 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 | $7K | — | $7K | 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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 887 | $4.1M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 418 | $356K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 401 | $60K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 549 | $115K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 480 | $153K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 480 | $89K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 887 | $4.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 480 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 887 | — |
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.