| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC CO | 1705 17TH STREET STE 100 DENVER, CO 80202 | BENCHMARK INSURANCE COMPANY | $37K | — | $37K | 12.50% |
| IMA, INC.3 Filed as: IMA INC | WASHINGTON DC 6200 LBJ FWY STE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.06% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $858 | $3K | 14.99% |
| IMA, INC.3 Filed as: IMA INC | WASHINGTON DC 6200 LBJ FWY STE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 24.49% |
| IMA, INC.3 Filed as: IMA INC | P.O. BOX 2992 WICHITA, KS 672012992 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| IMA, INC.3 Filed as: IMA INC | WASHINGTON DC 6200 LBJ FWY STE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $313 | $1K | 19.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES, INC EIN 81-0391256 ADMINISTRATION | Contract Administrator Service code 13 | — | $38K |
| EMPLOYEE BENEFIT MGMT SERVICES EIN 81-0391256 DISEASE MANAGEMENT | Other fees Service code 99 | — | $6K |
| COFINITY EIN 20-1274723 PPO | Other fees Service code 99 | — | $6K |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 103 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $22K |
| Prescription drug | BENCHMARK INSURANCE COMPANY | 138 | $292K |
| Stop-loss / reinsurancereinsurance | BENCHMARK INSURANCE COMPANY | 138 | $292K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.