| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC - DENVER | 1705 17TH ST STE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 3.27% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - NEW YORK | METRO 1212 AVENUE OF THE AMERICAS FL 9 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 0.65% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $944 | $6K | 14.83% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $773 | $274 | $1K | 2.67% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $512 | $321 | $833 | 6.50% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 225 KENNETH DR ROCHESTER, NY 14623 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $193 | $118 | $311 | 2.43% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $44 | $22 | $66 | 0.52% |
| NEW CHARTERS LLC4 | PO BOX 8927 ELIZABETH, NJ 072010827 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $545 | — | $545 | 60.09% |
| DERIA WEBB4 | APT 403 130 PROSPECT ST EAST ORANGE, NJ 070172532 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $362 | — | $362 | 39.91% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $1.7M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 136 | $39K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 136 | $39K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 136 | $39K |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 136 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.