| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND STREET N WICHITA, KS 67226 | VISION SERVICE PLAN | $2K | — | $2K | 2.68% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 W ERIE ST, STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $388 | — | $388 | 0.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS/BLUE SHIELD OF KANSAS EIN 48-0952857 NONE | Claims processing; Insurance services Service code 12 | — | $875K |
| IMA INC. NONE | Consulting (general) Service code 16 | 51 CORPORATE WOODS OVERLAND PARK, KS 66210 | $117K |
| LEWIS & ELLIS NONE | Actuarial Service code 11 | 6550 SPRINT PARKWAY OVERLAND PARK, KS 66211 | $31K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 NONE | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $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 | 1,922 | 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) | 1,922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 800 | $93K |
| Life insurance | ADVANCE INSURANCE COMPANY | 1,279 | $66K |
| Short-term disability | ADVANCE INSURANCE COMPANY | 1,279 | $66K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 1,922 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,922 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.