| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 403 E DOUGLAS SUITE 400 WICHITA, KS 67202 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $39K | — | $39K | 2.43% |
| IMA, INC.3 Filed as: IMA INC. | 430 E DOUGLAS AVE SUITE 400 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 5.00% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | VCP SERVICES, INC. | $2K | — | $2K | 10.00% |
| IMA, INC.3 | PO BOX 2922 WICHITA, KS 67201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $108 | $2K | 10.74% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $87 | $1K | 10.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | 245 N WACO SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 2.95% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | — | $103 | 2.29% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 1.33% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.95% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.95% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | — | $96 | 2.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 2.86% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 2.10% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.97% |
| PAPE DANE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.97% |
| IMA, INC.3 | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.55% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 272 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 270 | $104K |
| Vision | VCP SERVICES, INC. | 215 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $14K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 272 | $1.6M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 499 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.