| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67202 | BLUE CROSS BLUE SHIELD OF KANSAS | $45K | — | $45K | 11.32% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 6.62% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | $97 | — | $97 | 16.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 NONE | Claims processing Service code 12 | 220 W. DOUGLAS SUITE 200 WICHITA, KS 67202 | $477K |
| IMA, INC. EIN 48-1123642 NONE | Claims processing Service code 12 | PO BOX 2992 WICHITA, KS 67202 | $45K |
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 | 2,407 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 902 | $402K |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS | 902 | $402K |
| Vision | BLUE CROSS BLUE SHIELD OF KANSAS | 902 | $402K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 972 | $188K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 972 | $188K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 972 | $188K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 902 | $402K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 902 | $402K |
| Other | HARTFORD LIFE AND ACCIDENT | 533 | $593 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 972 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.