| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $166K | $166K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.00% |
| IMA, INC.3 Filed as: IMA, INC | 136 EAST SOUTH TEMPLE, SUITE 2300 SALT LAKE CITY, UT 84111 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $82K | $0 | $82K | 12.29% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | $0 | $58K | 37.86% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $0 | $25K | 16.53% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $260 | $260 | 0.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$470 | $419 | -$51 | -0.03% |
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 | 972 | 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) | 972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 589 | $3.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $666K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $666K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $666K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $666K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $666K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 589 | $3.3M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 972 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 972 | — |
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.