| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS ST, SUITE 400 WICHITA, KS 67202 | HEALTH CARE SERVICE CORPORATION | $39K | $6 | $39K | 2.56% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 802021260 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | — | $27K | 15.83% |
| WATCHTOWER BENEFITS, LLC3 | 306 W ERIE ST STE 300 CHICAGO, IL 606544007 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.58% |
| IMA, INC.3 Filed as: IMA INC | 14221 DALLAS PKWY STE 700 DALLAS, TX 752542942 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.67% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE | 15660 DALLAS PKWY STE 500 LB 60 DALLAS, TX 752483354 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 5.52% |
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 | 425 | 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) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 134 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 331 | $93K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 331 | $93K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 470 | $170K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 470 | $170K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 470 | $170K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 470 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.