| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITEDHEALTHCARE INSURANCE COMPANY | $175K | — | $175K | 3.75% |
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.22% |
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.69% |
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.77% |
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $791 | $6K | 17.47% |
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $540 | $3K | 17.99% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 672012992 | METLIFE LEGAL PLANS, INC. | $708 | $144 | $852 | 11.93% |
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 | 828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,268 | $4.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,268 | $4.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,268 | $4.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $72K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $51K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $81K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,268 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.