| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $113K | — | $113K | 36.08% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $21K | — | $21K | 15.73% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | SOUTHERN SCRIPTS | $31K | — | $31K | 41.64% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | VERITY HEALTHNET | $11K | — | $11K | 33.56% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL HELPLINE | $5K | — | $5K | 39.09% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | FIRST CHOICE HEALTH OF MISSISSIPPI | $118 | — | $118 | 62.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMA, INC. EIN 72-0950191 CONTRACT | Claims processing Service code 12 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | $72K |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 218 | $312K |
| Prescription drug(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 218 | $387K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 218 | $312K |
| Other(2 contracts, 2 carriers) | ACCESS HEALTH | 218 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.