| 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 | $1K | $10K | 6.68% |
| KEVIN D INGWERSON3 | 208 S PUTTER DRIVE ANDOVER, KS 67002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 31.82% |
| IMA, INC.3 | 8200 E. 32ND STREET NORTH WICHITA, KS 67226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 11.60% |
| BRIAN M LEITZEL3 Filed as: BRIAN M. LEITZEL | 7920 W. KELLOGG DR. SUITE 102 WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.46% |
| CALEB GILMOUR3 | 515 S. MAIN SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.82% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | UNUM LIFE INSURANCE COMPANY | $7K | $330 | $7K | 15.75% |
| KARLA JEAN KENDRICK3 | 633 E. SIOUX AVE. STE. 9 PIERRE, SD 57501 | AFLAC | $77 | — | $77 | 25.67% |
| SCOTT LANENGA3 | PO BOX 226 FORT PIERRE, SD 57532 | AFLAC | $24 | — | $24 | 8.00% |
| KIRSTI J. GARRETT3 | 27843 BAD RIVER RD. FORT PIERRE, SD 57532 | AFLAC | $15 | — | $15 | 5.00% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $13 | — | $13 | 4.33% |
| KEVIN D INGWERSON3 | 208 S. PUTTER DR. ANDOVER, KS 67002 | AFLAC | $13 | — | $13 | 4.33% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS INC. | 368 | $0 |
| Vision | VISION SERVICE PLAN | 291 | $58K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 427 | $190K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 427 | $146K |
| Prescription drug(2 contracts, 2 carriers) | MEDTRAK SERVICES LLC | 360 | $0 |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 444 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.