| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTEK BENEFIT ADMINISTRATORS5 | — | ADVANTEK | — | $462K | $462K | 7.66% |
| ENVOLVE5 | — | ENVOLVE | — | $44K | $44K | 2.57% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET, #100 DENVER, CO 80202 | SYMETRA LIFE INSURANCE COMPANY | $147K | $39K | $185K | 15.27% |
| IMA, INC.3 | P. . BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | — | $45K | 14.73% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET, #100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 4.53% |
| IMA, INC.3 | P. O. BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 14.93% |
| IMA, INC.3 Filed as: IMA INC. | P. O. BOX 2992 WICHITA, KS 672012992 | METROPOLIATAN LIFE INSURANCE COMPANY | $9K | — | $9K | 15.70% |
| IMA, INC.3 Filed as: IMA OF COLORADO, INC. | 1705 17TH STREET, #100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $996 | $3K | 5.19% |
| IMA, INC.3 Filed as: IMA INC-000 | P. O. BOX 2992 WHICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE & HEALTH EIN 95-4331852 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | 3350 PEACHTREE ROAD P. O. BOX 30302-445 ATLANTA, GA 303261039 | $191K |
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 | 689 | 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) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ADVANTEK | 1,502 | $6.0M |
| Dental | ADVANTEK | 1,502 | $6.0M |
| Vision | ADVANTEK | 1,502 | $6.0M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 728 | $429K |
| Prescription drug | ENVOLVE | 1,502 | $1.7M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,502 | $1.2M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 728 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,502 | — |
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.