| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARE ADVOCATES3 Filed as: LT CARE SOLUTIONS, INC | 150 N MCCOMAS WICHITA, KS 67203 | LT CARE SOLUTIONS, INC | $18K | — | $18K | 11.79% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $6K | 6.44% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.66% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER BENEFITS D/B/A THREEFLOW | 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $124 | $124 | 0.13% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | VCP SERVICES, INC | $8K | — | $8K | 10.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 802021657 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.36% |
| HARRINGTON BENEFIT SVCS INC3 | 3701 BOARDMAN CANFIELD RD STE 4 CANFIELD, OH 44406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.12% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 802021657 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $504 | — | $504 | 2.60% |
| HARRINGTON BENEFIT SVCS INC3 | 3701 BOARDMAN CANFIELD RD STE 4 CANFIELD, OH 44406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.23% |
| LIBEL PAUL3 | 12720 EDGEWOOD DR WICHITA, KS 67206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 802021657 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $539 | — | $539 | 3.17% |
| HARRINGTON BENEFIT SVCS INC3 | 3701 BOARDMAN CANFIELD RD STE 4 CANFIELD, OH 44406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $616 | — | $616 | 16.77% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 802021657 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $219 | — | $219 | 7.33% |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VCP SERVICES, INC | 494 | $77K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 522 | $98K |
| Other(8 contracts, 4 carriers) | LT CARE SOLUTIONS, INC | 522 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.