| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 8200 E. 32ND STREET N WICHITA, KS 67226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 15.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 11.03% |
| LINDSAY A LIJEWSKI3 | 5894 E. CALEY AVE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 0.35% |
| REGINA K SANTANGELO3 | 9034 E EASTER, STE 202 CENTENNIAL, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 0.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 905494 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$557 | — | -$557 | -1.06% |
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 | 843 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,199 | $52K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 938 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $53K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 938 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,199 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.