| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $63K | $0 | $63K | 11.07% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $0 | $24K | 4.22% |
| IMA, INC.3 Filed as: IMA INC | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $328 | $10K | 14.95% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 4.47% |
| IMA, INC.3 Filed as: IMA INC | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $137 | $4K | 14.45% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 4.66% |
| IMA, INC.3 Filed as: IMA INC | 6 CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $61 | $2K | 11.53% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $623 | $623 | 4.62% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $333 | $0 | $333 | 2.68% |
| IMA, INC.3 Filed as: IMA INC | 6 CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $333 | $0 | $333 | 2.68% |
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 | 218 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $564K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $564K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 140 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $68K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $68K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
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.