| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET STE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $76K | $45K | $121K | 5.53% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 1.04% |
| IMA, INC.3 Filed as: IMA, INC | 95 S STATE ST SUITE 1300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 14.87% |
| IMA, INC.3 Filed as: IMA, INC | 430 EAST DOUGLAS AVENUE STE 400 WICHITA, KS 672023409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1301 DOVE STREET SUITE 200 NEWPORT BEACH, CA 92660 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| IMA, INC.3 Filed as: IMA, INC | 95 S STATE ST SUITE 1300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.59% |
| IMA, INC.3 Filed as: IMA, INC | 430 EAST DOUGLAS AVENUE STE 400 WICHITA, KS 672023409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1301 DOVE STREET SUITE 200 NEWPORT BEACH, CA 92660 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.09% |
| IMA, INC.3 Filed as: IMA, INC | 95 S STATE ST SUITE 1300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 21.93% |
| IMA, INC.3 Filed as: IMA, INC | 430 EAST DOUGLAS AVENUE STE 400 WICHITA, KS 672023409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $922 | — | $922 | 2.80% |
| IMA, INC.3 Filed as: IMA, INC | 95 S STATE ST SUITE 1300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 27.17% |
| IMA, INC.3 Filed as: IMA, INC | 430 EAST DOUGLAS AVENUE STE 400 WICHITA, KS 672023409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $388 | — | $388 | 2.29% |
| LIFECARE HEALTH SERVICES, LLC3 Filed as: LIFECARE HEALTH SERVICES | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $1K | — | $1K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $99 | — | $99 | 12.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH'S EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $488K |
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 | 826 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC | 408 | $0 |
| Vision | VISION SERVICE PLAN | 555 | $81K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 826 | $310K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 826 | $233K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 493 | $153K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 614 | $2.2M |
| Other(8 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,064 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,064 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.