| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 E DOUGLAS AVE WICHITA, KS 67202 | HEALTH CARE SERVICE CORPORATION | $101K | — | $101K | 4.80% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE #430 WICHITA, KS 67202 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE #430 WICHITA, KS 67202 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| IMA, INC.3 Filed as: IMA, INC. - DALLAS, TX | PO BOX 2992 WICHITA, KS 672012992 | EYEMED VISION CARE | $1K | — | $1K | 9.96% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $82 | $2K | 14.32% |
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 | 170 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 262 | $2.1M |
| Dental | HEALTH CARE SERVICE CORPORATION | 262 | $2.1M |
| Vision | EYEMED VISION CARE | 213 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 194 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 170 | $39K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 194 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.