| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA FINANCIAL GROUP | 8200 E. 32ND ST. NORTH WICHITA, KS 67226 | UNIMERICA INSURANCE COMPANY | $47K | — | $47K | 5.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 3.82% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.42% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.91% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.57% |
| DELTA DENTAL OF KANSAS3 Filed as: DELTA DENTAL OF KANSAS, INC. | P.O. BOX 789769 WICHITA, KS 67278 | DELTA DENTAL OF KANSAS, INC. | — | $12K | $12K | 10.21% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | DELTA DENTAL OF KANSAS, INC. | $7K | — | $7K | 6.25% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $62K | — | $62K | 65.50% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.76% |
| DELTA DENTAL OF KANSAS3 Filed as: DELTA DENTAL OF KANSAS, INC. | P.O. BOX 789769 WICHITA, KS 67278 | DELTA DENTAL OF KANSAS, INC. | — | $13K | $13K | 22.23% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | DELTA DENTAL OF KANSAS, INC. | $8K | — | $8K | 13.61% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | EYE MED | $5K | — | $5K | 9.72% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.97% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.61% |
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 | 840 | 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) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 490 | $949K |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 234 | $177K |
| Vision | EYE MED | 676 | $51K |
| Life insurance | STANDARD INSURANCE COMPANY | 711 | $157K |
| Short-term disability | STANDARD INSURANCE COMPANY | 122 | $38K |
| Long-term disability | STANDARD INSURANCE COMPANY | 279 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.