| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $72K | $77K | 9.85% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | BLUE CROSS BLUE SHIELD | $7K | — | $7K | 11.24% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | VISION BENEFITS OF AMERICA | $180 | — | $180 | 2.12% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $25 | — | $25 | 18.52% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 124 | $784K |
| Dental | BLUE CROSS BLUE SHIELD | 124 | $59K |
| Vision | VISION BENEFITS OF AMERICA | 124 | $8K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 124 | $784K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 124 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.