| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 51 CORPORATE WOODS 9393 WEST 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $158K | — | $158K | 4.80% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | COMPANION LIFE INSURANCE COMPANY | $53K | — | $53K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | COMPANION LIFE INSURANCE COMPANY | $41K | — | $41K | 7.72% |
| IMA, INC.3 | 9393 WEST 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | DELTA DENTAL OF KANSAS, INC. | $8K | — | $8K | 3.92% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORPORATION | $16K | — | $16K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 1.96% |
| IMA, INC.3 | 9393 WEST 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $9K | $2K | $11K | 13.59% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 6.25% |
| IMA, INC.3 | 9393 WEST 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $5K | $1K | $6K | 10.22% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 6.01% |
| IMA, INC.3 | 9393 WEST 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 3.68% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | ENVISION INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | ENVISION INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| IMA, INC.3 | 9393 WEST 110TH STREET, SUITE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $2K | $891 | $3K | 9.31% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 6.04% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.34% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | METROPOLITAN LIFE INSURANCE COMPANY | $34 | — | $34 | — |
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 | 455 | 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) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 478 | $3.3M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF KANSAS, INC. | 466 | $405K |
| Vision(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 533 | $193K |
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 474 | $608K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 430 | $564K |
| Long-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 430 | $588K |
| Prescription drug | ENVISION INSURANCE COMPANY | 430 | $39K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 430 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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.