| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA OF KANSAS INC | 430 E DOUGLAS, SUITE 400 WICHITA, KS 67202 | BLUE CROSS BLUE SHIELD OF KANSAS | $27K | — | $27K | 3.00% |
| IMA, INC.3 Filed as: IMA INC. | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | DELTA DENTAL | $2K | — | $2K | 3.85% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.64% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.47% |
| IMA, INC.3 Filed as: IMA INC. | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 17.90% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.59% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $90 | — | $90 | 0.46% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 12.66% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $958 | — | $958 | 9.73% |
| IMA, INC.3 Filed as: IMA INC. | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | SURENCY LIFE AND HEALTH | $979 | — | $979 | 10.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $916 | — | $916 | 9.94% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $875 | — | $875 | 9.49% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 148 | $901K |
| Dental | DELTA DENTAL | 89 | $57K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 1 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 146 | $20K |
| Short-term disability | STANDARD INSURANCE COMPANY | 20 | $9K |
| Long-term disability | STANDARD INSURANCE COMPANY | 18 | $10K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 148 | $901K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 175 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.