| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CL SCOTT CORPORATE INSURANCE SVCS3 Filed as: CL SCOTT CORPORATE INS. SVCS. LLC | 3600 N CAPITAL OF TEXAS HWY. BLDG. B, SUITE 200 AUSTIN, TX 787463314 | VISION SERVICE PLAN | $125 | $0 | $125 | 0.35% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 70.02% |
| IMA, INC.3 Filed as: IMA INC. | 8200 E. 32ND STREET NORTH WICHITA, KS 67226 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $308 | $308 | 1.69% |
| IMA, INC.3 Filed as: IMA INC. | 8200 E. 32ND STREET NORTH WICHITA, KS 67226 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $305 | $305 | 1.82% |
| IMA, INC.3 Filed as: IMA INC. | 8200 E. 32ND STREET NORTH WICHITA, KS 67226 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $171 | $171 | 1.48% |
| CODY A PURDY3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 50.01% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 35.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 93 | $35K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 104 | $17K |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 104 | $19K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 104 | $18K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 105 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.