| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 8.42% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | UNUM LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.97% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $90 | $2K | 20.79% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $49 | $2K | 20.54% |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS INC. | 363 | $0 |
| Vision | VISION SERVICE PLAN | 271 | $47K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 448 | $192K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 448 | $149K |
| Prescription drug(2 contracts, 2 carriers) | MEDTRAK SERVICES LLC | 743 | $0 |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 448 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.