| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 E DOUGLAS AVE SUITE 400 WICHITA, KS 672023408 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $44K | $44K | 2.90% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 662111664 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $38K | $38K | 2.51% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | DELTA DENTAL OF KANSAS | $4K | — | $4K | 5.17% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | DELTA DENTAL OF KANSAS | $3K | — | $3K | 4.11% |
| IMA, INC.3 | 8200 E 32ND STREET NORTH NORTH WICHITA, KS 67226 | GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 11.62% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, INC | 4601 COLLEGE BLVD SUITE 210 LEAWOOD, KS 66211 | GUARDIAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.22% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD | $6K | — | $6K | 13.23% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, INC | 4601 COLLEGE BLVD #100 LEAWOOD, KS 662111748 | RELIANCE STANDARD | $3K | $2K | $5K | 10.61% |
| TECHSOURCE INC3 Filed as: TECHSOURCE | 4601 COLLEGE BLVD #100 LEAWOOD, KS 66211 | RELIANCE STANDARD | $824 | — | $824 | 1.69% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $1.5M |
| Dental | DELTA DENTAL OF KANSAS | 196 | $84K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 182 | $79K |
| Life insurance | RELIANCE STANDARD | 234 | $49K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 182 | $79K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 182 | $79K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $1.5M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 234 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.