| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC. | 430 E DOUGLAS, STE 400 WICHITA, KS 67202 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $51K | — | $51K | 9.27% |
| IMA, INC.3 | 430 E DOUGLAS, STE 400 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $8K | — | $8K | 6.42% |
| IMA, INC.3 | 6200 LBJ FREEWAY, STE 200 DALLAS, TX 75240 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 9.02% |
| IMA, INC.3 | 430 E DOUGLAS, STE 400 WICHITA, KS 67202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $656 | $656 | 2.21% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $1K | — | $1K | 5.06% |
| SURENCY LIFE & HEALTH INSURANCE3 | 1619 N WATERFRONT PARKWAY WICHITA, KS 672789773 | SURENCY LIFE AND HEALTH INSURANCE | — | $3K | $3K | — |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 148 | $119K |
| Vision | VISION SERVICE PLAN | 134 | $25K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $59K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $5K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $30K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF KANSAS | 289 | $548K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.