| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 430 E DOUGLAS AVE SUITE 400 WICHITA, KS 67202 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $11K | $14K | 9.12% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 6.53% |
| IMA, INC.3 | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.24% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $582 | $563 | $1K | 9.78% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 18.83% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | — | $530 | $530 | 5.40% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $491 | — | $491 | 5.00% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | SURENCY LIFE AND HEALTH | $857 | — | $857 | 10.00% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 14.91% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $344 | $367 | $711 | 10.28% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $600 | — | $600 | 11.92% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $250 | $308 | $558 | 11.08% |
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 | 122 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 125 | $156K |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 71 | $43K |
| Vision | SURENCY LIFE AND HEALTH | 62 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 115 | $12K |
| Short-term disability | STANDARD INSURANCE COMPANY | 13 | $5K |
| Long-term disability | STANDARD INSURANCE COMPANY | 12 | $7K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 148 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.