| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA, INC | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $87K | $24K | $111K | 1.92% |
| IMA, INC.3 | ONE GATEWAY CENTER STE 650 NEWTON, MA 02458 | DELTA DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | $20K | — | $20K | 5.39% |
| IMA, INC.3 | 1 GATEWAY CENTER STE 650 NEWTON, MA 02458 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.55% |
| IMA, INC.3 | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 7.29% |
| IMA, INC.3 | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | — | $2K | 5.87% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $168 | — | $168 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY EIN 38-1082080 FMLA/STD TPA | Claims processing Service code 12 | — | $21K |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 740 | $5.8M |
| Dental | DELTA DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | 740 | $377K |
| Vision | VISION SERVICE PLAN | 268 | $34K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $243K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $144K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 740 | $5.8M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.