| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS STE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 1.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $240 | $240 | 0.02% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FRWY SUITE 200 DALLAS, TX 75240 | BLUE CROSS AND BLUE SHIELD OF TEXAS | — | $12K | $12K | 1.59% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FRWY SUITE 200 DALLAS, TX 75240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $616 | $23K | 20.55% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.00% |
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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF TEXAS | 1,660 | $770K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,566 | $77K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 581 | $1.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 581 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 581 | $1.0M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 581 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,660 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.