| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS STE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | $533 | — | $533 | 1.92% |
| IMA, INC.3 | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | — | $170 | $170 | 0.61% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS STE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 10.00% |
| IMA, INC.3 | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | — | $241 | $241 | 1.71% |
| IMA, INC.3 Filed as: IMA INC. | 8200 E 32ND STREET N WICHITA, KS 67226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77K | — | $77K | 1217.46% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS STE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | $452 | — | $452 | 15.02% |
| IMA, INC.3 | 95 S STATE ST STE 1300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | — | $62 | $62 | 2.06% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 95 | $61K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 144 | $14K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 25 | $28K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 144 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.