| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 10.07% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $13K | $13K | 7.66% |
| KEVIN D INGWERSON3 | 208 S PUTTER DRIVE ANDOVER, KS 67002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.76% |
| IMA, INC.3 | 8200 E. 32ND STREET NORTH WICHITA, KS 67226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| CALEB GILMOUR3 | 515 S. MAIN SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $652 | — | $652 | 1.01% |
| BRIAN M LEITZEL3 | 7920 W KELLO DR STE 102 WICHITA, KS 67209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $528 | — | $528 | 0.82% |
| NICOLE E ROONEY3 | PO BOX 694 GODDARD, KS 67052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | — | $241 | 0.37% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 208 | $50K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 416 | $174K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 416 | $174K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 420 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.
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.