| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC-000 | 430 E DOUGLAS ST SUITE 400 WICHITA, KS 67202 | HEALTH CARE SERVICE CORPORATION | $106K | $8K | $114K | 5.06% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE #430 WICHITA, KS 67202 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 15.06% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE #430 WICHITA, KS 67202 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| IMA, INC.3 Filed as: IMA | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | HEALTHIESTYOU C/O TELADOC HEALTH INC | $5K | — | $5K | 15.00% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| IMA, INC.3 | 14221 NORTH DALLAS PARKWAY, #7 DALLAS, TX 75254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $5 | $1K | 15.06% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $139 | — | $139 | 1.50% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $70 | $70 | 0.75% |
| FRENCHA LEGACY3 | 3435 CALERA TRL APT 6119 FORT WORTH, TX 761771045 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $85 | — | $85 | 6.24% |
| SYMPHONY RISK SOLUTIONS, LLC3 Filed as: SYMPHONY RISK SOLUTIONS LLC | 2425 N CENTRAL EXPY STE 900 RICHARDSON, TX 750802743 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $84 | — | $84 | 6.17% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 255 | $2.3M |
| Dental | HEALTH CARE SERVICE CORPORATION | 255 | $2.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 218 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 192 | $79K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $9K |
| Long-term disability | STANDARD INSURANCE COMPANY | 169 | $46K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 192 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.