| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC. Filed as: IMA INC. | 6200 LBJ FWY, SUITE 200 DALLAS, TX 75240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $122K | — | $122K | 9.00% |
| VHA MID AMERICA INS SVCS Filed as: VHA-MID-AMERICA INS SERVICES LLC | 7415 W 130TH SUITE 200 OVERLAND PARK, KS 66213 | HARTFORD LIFE & ACCIDENT | $12K | — | $12K | 4.20% |
| VIZIENT INSURANCE SERVICES LLC | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE & ACCIDENT | — | $10K | $10K | 3.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BAS EIN 36-4197088 | Plan Administrator Service code 14 | 17475 JOVANNA DRIVE HOMEWOOD, IL 60430 | $0 |
| CIGNA EIN 84-0467907 | Plan Administrator Service code 14 | — | $0 |
| PROACT | Plan Administrator Service code 14 | — | $0 |
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 | 632 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 649 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 769 | — |
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.
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.