| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | STARMOUNT LIFE INSURANCE COMPANY | $49K | $5K | $54K | 10.37% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $615 | $4K | 0.71% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | STARMOUNT LIFE INSURANCE COMPANY | — | $386 | $386 | 0.07% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $3K | $55K | 15.03% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $437 | $4K | 1.01% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $275 | $275 | 0.07% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $1K | $23K | 14.96% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $187 | $2K | 1.04% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $115 | $115 | 0.08% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $896 | $5K | 10.87% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | STARMOUNT LIFE INSURANCE COMPANY | $465 | $186 | $651 | 1.32% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $6K | $532 | $6K | 16.18% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNUM INSURANCE COMPANY | $64 | $11 | $75 | 0.19% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | — | $31 | $31 | 0.08% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $5K | $403 | $5K | 15.36% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNUM INSURANCE COMPANY | $289 | $38 | $327 | 0.98% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | — | $11 | $11 | 0.03% |
| IMA, INC.3 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $4K | $393 | $5K | 16.17% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNUM INSURANCE COMPANY | $41 | $7 | $48 | 0.16% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | — | $25 | $25 | 0.08% |
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 | 1,015 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 648 | $521K |
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 648 | $570K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $152K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $369K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $369K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.