| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 9.54% |
| IMA, INC.3 | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $7K | $7K | 5.37% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | VCP SERVICES, INC. | $4K | — | $4K | 10.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | DELTA DENTAL OF KANSAS, INC. | $1K | — | $1K | 6.39% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | DELTA DENTAL OF KANSAS, INC. | $1K | — | $1K | 6.44% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $1K | — | $1K | 6.55% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $1K | — | $1K | 7.32% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $900 | — | $900 | 6.12% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $664 | — | $664 | 7.02% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $508 | — | $508 | 6.73% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $435 | — | $435 | 8.94% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $275 | — | $275 | 7.58% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $241 | — | $241 | 6.92% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $136 | — | $136 | 6.55% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $115 | — | $115 | 8.60% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $62 | — | $62 | 6.27% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $63 | — | $63 | 7.96% |
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 | 198 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(15 contracts) | DELTA DENTAL OF KANSAS, INC. | 39 | $122K |
| Vision | VCP SERVICES, INC. | 304 | $38K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $131K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $131K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $131K |
| Other | COUNTRYWIDE ENTERPRISES, INC. | 33 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.