| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $45K | — | $45K | 3.25% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | HARTFORD LIFE AND ACCIDENT | $7K | $738 | $8K | 13.24% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | VCP SERVICES, INC. | $3K | — | $3K | 10.00% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $1K | — | $1K | 6.17% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $1K | — | $1K | 6.69% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $858 | — | $858 | 6.35% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $792 | — | $792 | 6.08% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $859 | — | $859 | 7.00% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $775 | — | $775 | 7.05% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $493 | — | $493 | 5.00% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $299 | — | $299 | 6.27% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $117 | — | $117 | 5.00% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $77 | — | $77 | 5.02% |
| IMA, INC.3 | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $36 | — | $36 | 5.03% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 287 | $1.4M |
| Dental(12 contracts) | DELTA DENTAL OF KANSAS, INC. | 37 | $107K |
| Vision | VCP SERVICES, INC. | 141 | $28K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 75 | $61K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 75 | $61K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 287 | $1.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 75 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.