| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | ALLWAYS HEALTH PARTNERS | $40K | — | $40K | 1.58% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | — | $6K | 3.13% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02493 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $1K | $13K | 7.63% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE STE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 5.02% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $706 | — | $706 | 4.37% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 213 | $2.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 244 | $188K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 168 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 273 | $172K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 273 | $172K |
| Prescription drug | ALLWAYS HEALTH PARTNERS | 213 | $2.6M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 273 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.