| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECK INC3 Filed as: ECK AGENCY | PO BOX 377 ATTICA, KS 67009 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $46K | — | $46K | 23.42% |
| LOUIS BARBER3 | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.88% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 15.20% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 67201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.18% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 3.46% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46808 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $176 | $176 | 0.09% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 1.29% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $592 | — | $592 | 0.41% |
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 | 833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | 453 | $198K |
| Vision | VISION SERVICE PLAN | 551 | $143K |
| Life insurance(5 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 833 | $285K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 833 | $95K |
| Other(6 contracts, 3 carriers) | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | 859 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.