| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 E. DOUGLAS AVENUE SUITE 400 WICHITA, KS 672023409 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 17.69% |
| SYNERGY ENROLLMENT & BENEFITS LLC3 | 3550 CAMINO DEL RIO NORTH SUITE 207 SAN DIEGO, CA 92108 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 9.31% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| LEIGH ANN GILMORE4 | 16332 SARATOGA LANE HUNTINGTON BEACH, CA 92649 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $2K | — | $2K | 9.51% |
| VERONICA TICE4 | 2695 BENGAL TAN AVENUE NORTH LAS VEGAS, NV 89086 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $37 | — | $37 | 0.17% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 446 | $6.4M |
| Vision | AETNA LIFE INSURANCE CO. | 374 | $3.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 469 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 12 | $12K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 446 | $6.4M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 469 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.