| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.51% |
| PAYCHEX INSURANCE AGENCY, INC.5 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 13.58% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.58% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | METLIFE LEGAL PLANS, INC. | $872 | — | $872 | 10.70% |
| PAYCHEX INSURANCE AGENCY, INC.5 Filed as: PAYCHEX INSURANCE AGENCY INC. | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 21.56% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $765 | — | $765 | 10.00% |
| PAYCHEX INSURANCE AGENCY, INC.5 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 19.76% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 13.65% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $756 | — | $756 | 9.99% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $785 | — | $785 | 11.76% |
| PAYCHEX INSURANCE AGENCY, INC.5 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 29.91% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $686 | — | $686 | 13.57% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | BETA HEALTH | $239 | — | $239 | 9.48% |
| PAYCHEX INSURANCE AGENCY, INC.5 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 82.04% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH NORTH WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $171 | — | $171 | 9.28% |
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 | 89 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $60K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 123 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $8K |
| Other(5 contracts, 2 carriers) | METLIFE LEGAL PLANS, INC. | 84 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.