| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $28K | — | $28K | 3.44% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 12.41% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 5.90% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $982 | $982 | 1.61% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 6.30% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 11.28% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET KANSAS CITY, MO 64131 | AETNA LIFE INSURANCE CO. | -$210 | — | -$210 | -2.11% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 30.33% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $434 | $434 | 6.91% |
| JOLENE G. OLSON4 | 3505 NORTH CAMERON STREET WICHITA, KS 67226 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $484 | — | $484 | 19.43% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 134 | $814K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 99 | $55K |
| Vision | AETNA LIFE INSURANCE CO. | 136 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 267 | $61K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 267 | $61K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 267 | $61K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 134 | $814K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 267 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
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.
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.