| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC (CO) | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $73K | $77K | 3.82% |
| 360 BENEFITS LLC3 | 20 NORTH CLARK STREET - STE 2825 CHICAGO, IL 60602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $25K | $27K | 1.32% |
| AMY W. HECKLINGER3 Filed as: AMY B GOSWICK | 1705 17TH STREET - STE 100 DENVER, CO 80202 | KANSAS CITY LIFE INSURANCE COMPANY | $10K | — | $10K | 10.61% |
| 360 BENEFITS LLC3 Filed as: 360 BENEFITS, LLC | 20 N CLARK ST - STE 2850 CHICAGO, IL 60602 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | — | $4K | 3.82% |
| IMA, INC.3 Filed as: IMA - WICHITA, KS | PO BOX 2992 WICHITA, KS 67201 | EYEMED VISION ON BEHALF OF FIDELITY SECURITY LIFE INS CO | $2K | — | $2K | 6.80% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | EYEMED VISION ON BEHALF OF FIDELITY SECURITY LIFE INS CO | $571 | — | $571 | 2.39% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 280 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 280 | $2.0M |
| Vision | EYEMED VISION ON BEHALF OF FIDELITY SECURITY LIFE INS CO | 302 | $24K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 313 | $96K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 313 | $96K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 313 | $96K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 313 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.