| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $44K | $12K | $55K | 1.91% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CENTER STE 650 NEWTON, MA 02458 | DELTA DENTAL OF MASSACHUSETTS | $7K | — | $7K | 3.06% |
| IMA, INC.3 Filed as: IMA IINC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $188 | $4K | 10.59% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $163 | $3K | 8.29% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $169 | $3K | 9.13% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 20.74% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $382 | $15 | $397 | 12.48% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 402 | $2.9M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 464 | $216K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 414 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $39K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 402 | $2.9M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.