| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 8200 E 32ND STREET NORTH WICHITA, KS 672262606 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 18.39% |
| IMA, INC.3 | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 841111659 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.24% |
| IMA, INC.3 | 430 E DOUGLAS AVE SUITE 400 WICHITA, KS 672023408 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 18.26% |
| IMA, INC.3 Filed as: IMA - WICHITA KS | P.O. BOX 2992 WICHITA, KS 672012992 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $824 | — | $824 | 9.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | -$1 | — | -$1 | -0.01% |
| B & C AGENCY INC3 Filed as: B & C AGENCY, INC. | 7867 SE 197TH TER LATHAM, KS 67072 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28 | — | $28 | 16.37% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 138 | $8K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $71K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $71K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 308 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.