| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA GROUP BENEFITS LLC | — | HARVARD PILGRIM HEALTH CARE | $16K | — | $16K | 1.87% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS LLC | — | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 1.94% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS, LLC (INSURANCE | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $5K | — | $5K | 3.25% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS LLC | 306 MAIN STREET THE DAY BUILDING WORCESTER, MA 01608 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 13.96% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS LLC | 306 MAIN STREET THE DAY BUILDING WORCESTER, MA 01608 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.46% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS LLC | 306 MAIN STREET WORCESTER, MA 01608 | VISION SERVICE PLAN | $989 | — | $989 | 5.96% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS LLC | 306 MAIN STREET THE DAY BUILDING WORCESTER, MA 01608 | STANDARD INSURANCE COMPANY | $786 | — | $786 | 11.42% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 112 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 143 | $161K |
| Vision | VISION SERVICE PLAN | 118 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 81 | $28K |
| Short-term disability | STANDARD INSURANCE COMPANY | 102 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 46 | $44K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 481 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.