| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.34% |
| MANNY AM LLC3 | 1048 INDEPENDENT AVENUE, SUITE 207A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.89% |
| ASPEN R LLC3 Filed as: ASPEN R, LLC | 752 MAIN AVENUE, SUITE 202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | — | $355 | 1.62% |
| GREGORY G WAY3 Filed as: GREGORY WAY | 13074 COFFEE TREE STREET PARKER, CO 80134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274 | — | $274 | 1.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO, INC. | 675 SNAP DRAGON WAY, UNIT 200 STEAMBOAT SPRINGS, CO 80487 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | — | $167 | 0.76% |
| ALAN LECLAIRE3 | 10600 CHEVROLET WAY, SUITE 202 ESTERO, FL 33928 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.26% |
| MATTHEW SMITH3 | 8452 FREDERICKSBURG ROAD SAN ANTONIO, TX 78229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.22% |
| JOHNATHAN KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.12% |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.09% |
| JOSE DE LOS SANTOS III3 Filed as: JOSE DE LOSE SANTOS III | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| TINA WAY3 | 155 INVERNESS DRIVE WEST, SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| DALE SIPKO3 | 21714 SARASOTA SPICE STREET TOMBALL, TX 77377 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| RBA BENEFITS GROUP INC.3 | 142 ROUTE 23 NORTH POMPTON PLAINS, NJ 07444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| MICHAEL FORNARO3 | 271 ROUTE 46 WEST, SUITE H119 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ADRIAN ERIC SALAZAR3 Filed as: ADRIAN SALAZAR | 1801 WOODFIELD DRIVE SAVOY, IL 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TRUDY MARCELLINO3 | 616 FM 1960 W #775 HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AMY M BUCHANAN3 Filed as: AMY BUCHANAN | 2277 WEST 3RD AVENUE DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $830 | — | $830 | 6.78% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $353 | — | $353 | 10.01% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 74 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 13 | $4K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 91 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.