| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $9K | $18K | 6.21% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $15K | $20K | 10.93% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $7K | $11K | 7.95% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $8K | $11K | 10.61% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $6K | $8K | 9.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 20.31% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 20.75% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $349 | $645 | $994 | 8.54% |
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 | 592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 396 | $283K |
| Vision | VISION SERVICE PLAN | 410 | $67K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 592 | $319K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 592 | $88K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 592 | $105K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 592 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.