| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $10K | $24K | 12.15% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.14% |
| BRIAN M LEITZEL3 Filed as: BRIAN MATTHEW LEITZEL | P.O. BOX 162 CHENEY, KS 670250162 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.19% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $950 | — | $950 | 5.86% |
| KEVIN D INGWERSON3 | 208 S PUTTER DR ANDOVER, KS 67002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $488 | — | $488 | 3.01% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 220 SWEETGUM CT ANDOVER, KS 67002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $231 | — | $231 | 1.42% |
| JULIAN DUARTE3 | 412 N MYRTLE ST EUREKA, KS 67045 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | — | $196 | 1.21% |
| RACHEL SHAEFER3 Filed as: RACHEL MARIE SHAEFER | 529 PARKWOOD DRIVE ROSE HILL, KS 671339580 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 0.68% |
| JOHN E WETIG3 Filed as: JOHN EUGENE WETIG JR | 103 S ROUPP ST HESSTON, KS 67062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.46% |
| ROBERT ROWE3 Filed as: ROBERT WILLIAM ROWE III | 2901 N VAN BUREN ST HUTCHINSON, KS 67502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.18% |
| NICOLE E ROONEY3 | 227 N PINE ST GODDARD, KS 67052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.09% |
| IMA, INC.3 | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $435 | $435 | 10.00% |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $4K |
| Vision | VISION SERVICE PLAN | 230 | $48K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 302 | $201K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 302 | $201K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.