| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA | PO BOX 2992 WICHITA, KS 67201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $26K | $26K | 6.83% |
| IMA, INC.3 Filed as: IMA | PO BOX 2992 WICHITA, KS 67201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $25K | $25K | 7.07% |
| IMA, INC.3 Filed as: IMA | PO BOX 2992 WICHITA, KS 67201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $12K | $12K | 6.40% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR. ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 3.53% |
| WESTON BRYAN3 | 4816 ALLENCREST LANE DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 12.82% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PARKWAY STE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $6K | $1K | $8K | 12.39% |
| KATHRYN G KWASNIAK3 | 15301 DALLAS PKWY STE 500 ADDISON, TX 75001 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 11.29% |
| REED HEADLEY SCHNITTKER3 Filed as: REED SCHNITTKER | 2400 DALLAS PARKWAY SUITE #260 PLANO, TX 75093 | PETERSEN INTERNATIONAL UNDERWRITERS | $3K | — | $3K | 9.52% |
| WESTON BRYAN3 | 2400 DALLAS PARKWAY SUITE #260 PLANO, TX 75093 | PETERSEN INTERNATIONAL UNDERWRITERS | $3K | — | $3K | 9.52% |
| IMA, INC.3 | 1705 17TH ST SUITE 100 DENVER, CO 80202 | PETERSEN INTERNATIONAL UNDERWRITERS | $3K | — | $3K | 9.52% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 24.82% |
| PHILLIP M. ERNEST & ASSOCIATES, INC4 | 3125 MARQUITA DRIVE FORT WORTH, TX 76116 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | — | $5K | 22.71% |
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 | 2,291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALPHA DENTAL PROGRAMS, INC. | 189 | $42K |
| Vision | VISION SERVICE PLAN | 1,267 | $141K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,098 | $570K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 734 | $352K |
| Long-term disability(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,646 | $286K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,098 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,098 | — |
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.