| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 316 FIRST AVE FL 3 KITTANNING, PA 16201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $116 | $1K | 14.90% |
| ESS NEXTIER INSURANCE GROUP LLC3 Filed as: ESS NEXTIER INSURANCE CROUP LLC | PO BOX 955 KITTANNING, PA 16201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $126 | — | $126 | 1.33% |
| IMA, INC.3 Filed as: IMA INC | 316 FIRST AVE FL 3 KITTANNING, PA 16201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $891 | $116 | $1K | 12.60% |
| ESS NEXTIER INSURANCE GROUP LLC3 | PO BOX 955 KITTANNING, PA 16201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $98 | — | $98 | 1.23% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $17K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.