| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.22% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.01% |
| 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 | 8.63% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | DELTA DENTAL OF KANSAS, INC. | $8K | — | $8K | 5.28% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.97% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.99% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 16.41% |
| DELTA DENTAL OF KANSAS3 Filed as: DELTA DENTAL OF KANSAS, INC. | P.O. BOX 789769 WICHITA, KS 67278 | DELTA DENTAL OF KANSAS, INC. | — | $14K | $14K | 21.13% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | DELTA DENTAL OF KANSAS, INC. | $9K | — | $9K | 12.93% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | EYE MED | $6K | — | $6K | 9.90% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.55% |
| IMA, INC.3 | 9393 W. 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP EIN 77-0385729 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $222K |
| CIGNA HEALTH & LIFE COMPANY EIN 59-1031071 NONE | Other fees; Direct payment from the plan Service code 50 | — | $76K |
| PROVIDERS CARE NONE | Direct payment from the plan; Other fees Service code 50 | 1102 S. HILLSIDE WICHITA, KS 67211 | $8K |
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 | 858 | 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) | 858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 232 | $215K |
| Vision | EYE MED | 660 | $59K |
| Life insurance | STANDARD INSURANCE COMPANY | 785 | $156K |
| Short-term disability | STANDARD INSURANCE COMPANY | 155 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 307 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.