| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 430 EAST DOUGLAS AVENUE3 | SUITE 400 WICHITA, KS 67202 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $23K | — | $23K | 3.34% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 5.96% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 13.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $320 | $320 | 1.89% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 18.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $231 | $231 | 1.79% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $230 | $230 | 1.96% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | SURENCY LIFE AND HEALTH | $945 | — | $945 | 10.00% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 13.75% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $564 | — | $564 | 13.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $70 | $70 | 1.71% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | SURENCY LIFE AND HEALTH | $249 | — | $249 | 10.00% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $336 | — | $336 | 13.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $41 | $41 | 1.67% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 181 | $680K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 90 | $61K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 59 | $12K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $17K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 181 | $680K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.