| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 430 E. DOUGLAS WICHITA, KS 67202 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $18K | $18K | 2.32% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STREET CHICAGO, IL 60606 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $9K | $9K | 1.19% |
| PARKER SMITH & FEEK INC.3 | 10400 NE 4TH STREET BELLEVUE, WA 98004 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $842 | — | $842 | 0.11% |
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 | 914 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 830 | $785K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 830 | $785K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 927 | $813K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.