| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 672023408 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 2.80% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 6.42% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.95% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $639 | — | $639 | 5.00% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 18.74% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $569 | — | $569 | 5.00% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | SURENCY LIFE AND HEALTH | $885 | — | $885 | 10.00% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $354 | — | $354 | 4.99% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | STANDARD INSURANCE COMPANY | $669 | — | $669 | 11.81% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $283 | — | $283 | 5.00% |
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 | 157 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $494K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 74 | $46K |
| Vision | SURENCY LIFE AND HEALTH | 160 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 134 | $13K |
| Short-term disability | STANDARD INSURANCE COMPANY | 13 | $6K |
| Long-term disability | STANDARD INSURANCE COMPANY | 10 | $7K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 134 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.