| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA OF KANSAS, INC. | 8200 E 32ND ST NORTH WICHITA, KS 67726 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $44K | — | $44K | 3.59% |
| IMA, INC. Filed as: IMA OF KANSAS, INC. | 8200 E 32ND ST., NORTH WICHITA, KS 67726 | DELTA DENTAL OF KANSAS, INC. | $8K | — | $8K | 6.25% |
| IMA, INC. Filed as: IMA INC | 1705 17TH ST, SUITE 100 DENVER, CO 80202 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $660 | — | $660 | 5.99% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 377 | $1.2M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 196 | $124K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 206 | $11K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 377 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.