| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA, IN.C | 8200 E. 32ND STREET NORTH WICHITA, KS 67226 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $34K | — | $34K | 3.89% |
| TERESA BURNETT3 | 1112 E. JAMES ST DERBY, KS 67037 | AFLAC | $776 | $82 | $858 | 6.22% |
| PATRICIA ZOELLER3 | P.O. BOX 181 KINGMAN, KS 67068 | AFLAC | $773 | $77 | $850 | 6.17% |
| BRIAN M LEITZEL3 Filed as: BRIAN LEITZEL | 7920 W. KELLOGG DRIVE WICHITA, KS 67209 | AFLAC | $369 | $15 | $384 | 2.79% |
| CALEB GILMOUR3 | 515 S. MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $259 | $33 | $292 | 2.12% |
| BRAD SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $106 | — | $106 | 0.77% |
| BRANDON UNREIN3 | 15275 SW INDIANOLA ROAD AUGUSTA, KS 67010 | AFLAC | $74 | $17 | $91 | 0.66% |
| NATHAN HARRISON3 | 16024 MANCHESTER ROAD ELLISVILLE, MO 63011 | AFLAC | $16 | — | $16 | 0.12% |
| ASHLE BURNETT3 | 1112 E. JAMES ST. DERBY, KS 67037 | AFLAC | $9 | $5 | $14 | 0.10% |
| KENNETH MORRIS JR3 Filed as: KENNETH MORRIS JR. | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $11 | — | $11 | 0.08% |
| JOHN A BACON3 Filed as: JOHN BACON | 11630 W. 158TH TER. OVERLAND PARK, KS 66221 | AFLAC | $7 | — | $7 | 0.05% |
| RUSTY J HELIN3 Filed as: RUSTY HELIN | 125 W 6TH ST. COLBY, KS 67701 | AFLAC | $3 | — | $3 | 0.02% |
| IMA, INC.3 | 8200 E. 32ND STREET NORTH WICHITA, KS 67226 | SURENCY LIFE AND HEALTH | $1K | — | $1K | 10.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 219 | $878K |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 219 | $878K |
| Vision | SURENCY LIFE AND HEALTH | 70 | $12K |
| Life insurance | AFLAC | 22 | $14K |
| Short-term disability | AFLAC | 22 | $14K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 219 | $878K |
| Other | AFLAC | 22 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.