| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF OKLAHOMA | $13K | $0 | $13K | 3.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | DELTA DENTAL OF OKLAHOMA | $9K | $0 | $9K | 2.56% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $0 | $28K | 10.08% |
| GARY D. HARDMAN3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67225 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $0 | $21K | 7.46% |
| IMA, INC.3 Filed as: IMA INC. | 8200 EAST 32ND STREET NORTH WICHITA, KS 67226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $8K | $8K | 2.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | SURENCY LIFE AND HEALTH | $7K | $0 | $7K | 10.00% |
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 | 615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 1,036 | $3.9M |
| Dental | DELTA DENTAL OF OKLAHOMA | 514 | $367K |
| Vision | SURENCY LIFE AND HEALTH | 398 | $73K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 615 | $281K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 615 | $281K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 615 | $281K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 1,036 | $3.9M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 615 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,036 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.