| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | SIX CONCOURSE PKWY SUITE 2750 SUITE 2750 ATLANTA, GA 30328 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | $74K | $113K | 14.59% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 BELMAR, NJ 07719 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 3.00% |
| BENEFIT COMMUNICATIONS INC3 | STE 300E 1 BURTON HILLS BLVD NASHVILLE, TN 37215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $131K | $9K | $140K | 33.04% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87K | $742 | $88K | 20.85% |
| IMA, INC.3 Filed as: IMA, INC | STE 100 1705 17TH ST DENVER, CO 80202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 0.27% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD STE 300E NASHVILLE, TN 37215 | UNUM INSURANCE COMPANY | $88K | $8K | $96K | 25.39% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $59K | $897 | $60K | 15.76% |
| IMA, INC.3 | 1705 17TH ST STE 100 WICHITA, CO 80202 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 0.45% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY STE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 9.28% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.16% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 9.35% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.17% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD STE 300E NASHVILLE, TN 37215 | UNUM INSURANCE COMPANY | $60K | $5K | $65K | 28.89% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $40K | $603 | $40K | 17.97% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 0.47% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD STE 300E NASHVILLE, TN 37215 | UNUM INSURANCE COMPANY | $41K | $4K | $45K | 24.79% |
| IMA, INC.3 Filed as: IMA, INC | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $27K | $489 | $28K | 15.43% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $0 | $629 | $629 | 0.35% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $7K | $0 | $7K | 5.00% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.31% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.16% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | METLIFE LEGAL PLANS | $6K | $0 | $6K | 10.00% |
| IMA, INC.3 Filed as: IMA INC | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286243 | METROPOLITAN LIFE INSURANCE COMPANY | $13 | $0 | $13 | 4.91% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | $0 | $4 | 1.51% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286243 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.75% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $0 | $8 | 3.90% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | $0 | $4 | 1.95% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY 101 S GARLAND AVE STE 203 CHARLESTON, FL 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.98% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60004 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.49% |
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 | 1,657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2 | $470 |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,272 | $775K |
| Vision | VISION SERVICE PLAN | 1,191 | $142K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,667 | $753K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,161 | $275K |
| Other(7 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,667 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,161 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.