| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE INSURANCE | $17K | $59K | $75K | 12.50% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | NATIONWIDE INSURANCE | $38K | $12K | $50K | 8.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 E CARNEGIE DR SUITE 265 SAN BERNARDINO, CA 924083588 | NATIONWIDE INSURANCE | $19K | $7K | $26K | 4.38% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORPORATION | $11K | — | $11K | 6.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 E CARNEGIE DR SUITE 265 SAN BERNARDINO, CA 924083588 | AMERITAS LIFE INSURANCE CORPORATION | $6K | — | $6K | 3.42% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 2.04% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.08% |
| ASSUREX3 Filed as: ASSUREX GLOBAL CORPORATION EXCHANGE | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $35 | — | $35 | 0.10% |
| IMA, INC.3 | 9393 W. 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 14.85% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 8.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50 | — | $50 | 0.15% |
| IMA, INC.3 | 9393 W. 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.34% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $118 | $118 | 0.55% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48 | — | $48 | 0.22% |
| IMA, INC.3 | 9393 W. 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.90% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 10.38% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14 | — | $14 | 0.10% |
| IMA, INC.3 | 9393 W. 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.60% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 8.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50 | — | $50 | 0.40% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 11.35% |
| IMA, INC.3 | 9393 W. 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.34% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE INSURANCE | 823 | $601K |
| Dental(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 807 | $162K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 807 | $198K |
| Life insurance(3 contracts, 2 carriers) | NATIONWIDE INSURANCE | 823 | $656K |
| Short-term disability(2 contracts, 2 carriers) | NATIONWIDE INSURANCE | 823 | $613K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $26K |
| Prescription drug | NATIONWIDE INSURANCE | 823 | $601K |
| Other(3 contracts, 2 carriers) | NATIONWIDE INSURANCE | 823 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 823 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.