| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 4.36% |
| IMA, INC.3 | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $794 | $348 | $1K | 5.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $374 | $377 | $751 | 3.92% |
| IMA, INC.3 | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $885 | $232 | $1K | 7.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $428 | $250 | $678 | 4.26% |
| IMA, INC.3 | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $3K | $394 | $3K | 21.76% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $770 | — | $770 | 4.99% |
| IMA, INC.3 | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $951 | $208 | $1K | 8.41% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $317 | $224 | $541 | 3.93% |
| IMA, INC.3 | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | SURENCY LIFE AND HEALTH | $964 | — | $964 | 9.93% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 96 | $75K |
| Vision | SURENCY LIFE AND HEALTH | 76 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 174 | $19K |
| Short-term disability | STANDARD INSURANCE COMPANY | 35 | $16K |
| Long-term disability | STANDARD INSURANCE COMPANY | 35 | $14K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 190 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.