| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BLVD. KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE CO. | $3K | $10K | $14K | 2.05% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AETNA LIFE INSURANCE CO. | — | $10K | $10K | 1.52% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 8.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 7.36% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 7.20% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 12.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $808 | $4K | 9.34% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | SURENCY LIFE AND HEALTH | $1K | — | $1K | 10.00% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $995 | $257 | $1K | 9.71% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $784 | $245 | $1K | 8.02% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $865 | — | $865 | 16.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $447 | $119 | $566 | 10.79% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $408 | — | $408 | 17.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $185 | $44 | $229 | 9.65% |
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 | 137 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 102 | $664K |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 113 | $65K |
| Vision | SURENCY LIFE AND HEALTH | 100 | $13K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $26K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $67K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $43K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 150 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.