| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST N WICHITA, KS 67226 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $27K | $27K | 2.00% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST N WICHITA, KS 67226 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $557 | $557 | 0.04% |
| IMA, INC. Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 4.00% |
| ASSUREX | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| IMA, INC. Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 4.01% |
| ASSUREX | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $0 | $0 | 0.00% |
| IMA, INC. Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.00% |
| ASSUREX | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| IMA, INC. Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $48 | $48 | 4.04% |
| ASSUREX | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Direct payment from the plan; Other fees Service code 50 | — | $423K |
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $383K |
| ANTHEM BLUE CROSS EIN 95-4331852 | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $378K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 | Contract Administrator; Claims processing Service code 12 | — | $21K |
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 | 1,174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 1,139 | $909K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,427 | $185K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 306 | $270K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,538 | $136K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,229 | $1.3M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,427 | — |
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.