| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC - WICHITA | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $69K | $69K | 4.92% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES LLC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$34 | -$34 | -0.00% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $6K | — | $6K | 6.98% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST NORTH WICHITA, KS 67226 | THE GUARDIAN LIFE INSURANCE COMPANY | $13K | $525 | $13K | 16.14% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.85% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $483 | $11K | 20.89% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 672012992 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $432 | $20 | $452 | 20.92% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $1.4M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 191 | $87K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 189 | $81K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $54K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 189 | $81K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 189 | $81K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $1.4M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 255 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.