| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNIMERICA INSURANCE COMPANY | $7K | — | $7K | 3.66% |
| IMA, INC.3 Filed as: IMA FINANCIAL GROUP | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | UNIMERICA INSURANCE COMPANY | $646 | — | $646 | 0.34% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST NORTH WICHITA, KS 67226 | HARTFORD LIFE AND ACCIDENT | $7K | $802 | $8K | 9.98% |
| DELTA DENTAL OF KANSAS3 Filed as: DELTA DENTAL OF KANSAS, INC | 1619 N. WATERFRONT PARKWAY PO BOX 789769 WICHITA, KS 672789769 | DELTA DENTAL OF KANSAS, INC. | — | $12K | $12K | 18.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART CARE MANAGEMENT, INC. EIN 75-1857307 NONE | Contract Administrator Service code 13 | — | $69K |
| IMA OF KANSAS EIN 48-1123642 NONE | Insurance agents and brokers Service code 22 | — | $26K |
| PROVIDER CARE NETWORK EIN 48-1009834 NONE | Other services Service code 49 | — | $19K |
| HEALTHSMART CARE MANAGEMENT EIN 75-2960859 NONE | Contract Administrator Service code 13 | — | $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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 229 | $65K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 277 | $77K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 277 | $77K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 247 | $191K |
| Other | HARTFORD LIFE AND ACCIDENT | 277 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.