| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WITCHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $693 | $5K | 8.91% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA ST SUITE 675 SAN JOSE, CA 95113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.27% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WITCHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $516 | $5K | 8.48% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA ST SUITE 675 SAN JOSE, CA 95113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.45% |
| IMA, INC.3 | PO BOX 2992 WITCHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $491 | $4K | 8.94% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 160 W SANTA CLARA ST SUITE 675 SAN JOSE, CA 95113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $927 | — | $927 | 2.25% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $1K | — | $1K | 3.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $387 | — | $387 | 1.03% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W ERIE STREET SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $186 | — | $186 | 0.50% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WITCHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $312 | $2K | 9.27% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA ST SUITE 675 SAN JOSE, CA 95113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $455 | — | $455 | 2.34% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WITCHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $291 | $166 | $457 | 10.54% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA ST SUITE 675 SAN JOSE, CA 95113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $142 | — | $142 | 3.28% |
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 | 390 | 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. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 267 | $37K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 390 | $96K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 390 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $59K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 390 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.