| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 11.44% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.31% |
| BXS INSURANCE INC3 | PO BOX 631202 LITTLE ROCK, AR 72227 | STANDARD INSURANCE COMPANY | $243 | — | $243 | 0.25% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.14% |
| BXS INSURANCE INC3 | P.O. BOX 251510 LITTLE ROCK, AR 72227 | STANDARD INSURANCE COMPANY | $179 | — | $179 | 0.20% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.87% |
| BXS INSURANCE INC3 | PO BOX 631202 LITTLE ROCK, AR 72227 | STANDARD INSURANCE COMPANY | $104 | — | $104 | 0.14% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | EYE MED | $7K | — | $7K | 9.72% |
| BANCORP SOUTH INSURANCE3 | P.O. BOX 251510 LITTLE ROCK, AR 72227 | EYE MED | $3K | — | $3K | 4.02% |
| ASSUREX GLOBAL CORPORATION3 | 175 SOUTH THIRD ST, STE 800 COLUMBUS, OH 43215 | EYE MED | $345 | — | $345 | 0.50% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.62% |
| BXS INSURANCE INC3 | P.O. BOX 251510 LITTLE ROCK, AR 72227 | STANDARD INSURANCE COMPANY | $78 | — | $78 | 0.13% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 3850 N. CAUSEWAY BLVD STE 1565 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.46% |
| BXS INSURANCE INC3 | PO BOX 250 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 2.50% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 3850 N. CAUSEWAY BLVD STE 1565 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 16.26% |
| BXS INSURANCE INC3 | PO BOX 250 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $792 | $792 | 2.50% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.37% |
| BXS INSURANCE INC3 | PO BOX 631202 LITTLE ROCK, AR 72227 | STANDARD INSURANCE COMPANY | $280 | — | $280 | 0.98% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.61% |
| BXS INSURANCE INC3 | P.O. BOX 251510 LITTLE ROCK, AR 72227 | STANDARD INSURANCE COMPANY | $205 | — | $205 | 0.73% |
| BXS INSURANCE INC3 | 3850 N. CAUSEWAY BLVD STE 1565 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.14% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | PO BOX 250 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $281 | $281 | 1.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $151K |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 NONE | Direct payment from the plan; Other fees Service code 50 | — | $90K |
| DELTA DENTAL OF KANSAS, INC EIN 48-0793267 NONE | Direct payment from the plan; Other fees Service code 50 | — | $47K |
| MEMD, INC. EIN 46-3279589 NONE | Other fees; Direct payment from the plan Service code 50 | — | $11K |
| HEALTHCARE BLUEBOOK, INC. EIN 46-4399706 NONE | Other fees; Direct payment from the plan Service code 50 | — | $10K |
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 | 819 | 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) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 257 | $233K |
| Vision | EYE MED | 751 | $69K |
| Life insurance(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 819 | $193K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $88K |
| Long-term disability(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 761 | $235K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 761 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.