| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PACE UNDERWRITERS | $36K | — | $36K | 11.56% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $18K | — | $18K | 14.48% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | VERITY HEALTHNET | $10K | — | $10K | 30.91% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL HELPLINE | $5K | — | $5K | 33.98% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | FIRST CHOICE HEALTH OF MISSISSIPPI | $105 | — | $105 | 38.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMA, INC. EIN 72-0950191 CONTRACT | Claims processing Service code 12 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | $145K |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACE UNDERWRITERS | 220 | $314K |
| Prescription drug | PACE UNDERWRITERS | 220 | $314K |
| Stop-loss / reinsurancereinsurance | PACE UNDERWRITERS | 220 | $314K |
| Other(2 contracts, 2 carriers) | ACCESS HEALTH | 220 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.