| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1550 17TH STREET DENVER, CO 80202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 5.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1550 17TH STREET DENVER, CO 80202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 4.60% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $4K | — | $4K | 5.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $4K | — | $4K | 4.89% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METLIFE LEGAL PLAN | $540 | $120 | $660 | 7.03% |
| IMA, INC.3 Filed as: IMA FINANCIAL GROUP, INC. | PO BOX 733835 DALLAS, TX 75373 | METLIFE LEGAL PLAN | $527 | — | $527 | 5.61% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | METLIFE LEGAL PLAN | $0 | $53 | $53 | 0.56% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | METLIFE LEGAL PLAN | -$105 | $0 | -$105 | -1.12% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $457 | $0 | $457 | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $457 | $0 | $457 | 10.00% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 733835 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4 | $4 | 0.09% |
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 | 524 | 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) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 459 | $73K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 618 | $655K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 618 | $655K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 618 | $670K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.