| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 5.21% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.58% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $1K | $12K | 22.72% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 N MILDRED AVE CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $818 | $818 | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 10.00% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $500 | $3K | 18.14% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $154 | $3K | 26.56% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $206 | $2K | 22.93% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $104 | $104 | 1.48% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $68 | $1K | 26.25% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 188 | $1.3M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 123 | $85K |
| Vision | SURENCY LIFE AND HEALTH | 106 | $17K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $21K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $83K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $55K |
| Other(6 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 188 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.