| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | SYMETRA LIFE INSURANCE COMPANY | — | $16K | $16K | 2.67% |
| IMA, INC.3 Filed as: IMA, INC.-KS | P.O. BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 4.22% |
| IMA, INC.3 Filed as: IMA, INC.-KS | 1705 17TH ST. DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA-LIFE INSURANCE | $2K | — | $2K | 2.39% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | VSP | $1K | — | $1K | 3.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 CLAIMS PROCESSING | Claims processing Service code 12 | — | $113K |
| IMA, INC. CONSULTANT | Consulting fees Service code 70 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | $55K |
| ARGENT INSTITUTIONAL SERVICES, LLC EIN 27-2388726 INVESTMENT CONSULTING | Consulting (general); Consulting fees; Investment advisory (plan) Service code 16 | — | $35K |
| DIMICK & LEWIS CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3717 NW 63RD STREET, SUITE 100 OKLAHOMA CITY, OK 73116 | $31K |
| MCAFEE & TAFT EIN 73-0781676 LEGAL | Consulting fees; Legal Service code 29 | — | $16K |
| BRYAN, LITTLE, HALEY & KENT PC EIN 73-0941849 AUDITOR | Accounting (including auditing) Service code 10 | — | $16K |
| WORKER ASSISTANCE PROGRAM EIN 74-1847991 COUNSELING | Consulting (general) Service code 16 | — | $8K |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 280 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 717 | $210K |
| Vision | VSP | 273 | $38K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA-LIFE INSURANCE | 286 | $77K |
| Prescription drug | RX BENEFITS | 280 | $0 |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 277 | $602K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.