| 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 | $3K | — | $3K | 4.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS/BLUE SHIELD OF KANSAS EIN 48-0952857 INSURANCE CARRIER | Insurance services Service code 23 | — | $1.6M |
| UMR EIN 39-1995276 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 333 WEST VINE STREET LEXINGTON, KY 40507 | $200K |
| IMA INC. CONSULTANT | Consulting (general) Service code 16 | 51 CORPORATE WOODS OVERLAND PARK, KS 66210 | $121K |
| LEWIS & ELLIS ACTUARY-HEALTH | Actuarial Service code 11 | — | $22K |
| COREFIRST BANK & TRUST EIN 48-6171387 CUSTODIAN/INVESTMENT | Custodial (securities); Investment management Service code 19 | 3200 SW TOPEKA BLVD TOPEKA, KS 66611 | $12K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 AUDITOR | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $9K |
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 | 1,170 | 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) | 1,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 681 | $77K |
| Life insurance | ADVANCE INSURANCE COMPANY | 1,789 | $57K |
| Short-term disability | ADVANCE INSURANCE COMPANY | 1,789 | $57K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF KANSAS | 3,893 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,893 | — |
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.