| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 EAST DOUGLAS, SUITE 400 WICHITA, KS 67202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $278 | $14K | 10.21% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 6.43% |
| J.L. JONES AND ASSOCIATES3 Filed as: J.L. JONES INSURANCE SERVICES, LLC | PO BOX 1657 SPRINGFIELD, OR 97477 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.05% |
| IMA, INC.3 | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.51% |
| J.L. JONES AND ASSOCIATES3 Filed as: J.L. JONES INSURANCE SERVICES, LLC | PO BOX 1657 SPRINGFIELD, OR 97477 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 2.85% |
| J.L. JONES AND ASSOCIATES3 Filed as: J.L. JONES INSURANCE SERVICES, LLC | 1111 GATEWAY LOOP SPRINGFIELD, OR 97477 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $816 | $0 | $816 | 14.99% |
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 | 1,366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 18 | $178K |
| Dental | HAWAII DENTAL SERVICE | 22 | $8K |
| Vision(3 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 1,809 | $262K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,368 | $133K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 23 | $5K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 18 | $140K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,368 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,809 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.