| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | BLUECROSS BLUESHIELD OF TEXAS | $43K | $1K | $44K | 2.83% |
| IMA, INC.3 Filed as: IMA, INC. DBA IMA WALDMAN | 14221 DALLAS PKWY STE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $496 | $496 | 1.50% |
| IMA, INC.3 Filed as: IMA, INC. DBA IMA WALDMAN | 14221 DALLAS PKWY STE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $481 | $481 | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | DEARBORN LIFE INSURANCE COMPANY | $1K | $395 | $1K | 13.66% |
| IMA, INC.3 Filed as: IMA, INC. DBA IMA WALDMAN | 14221 DALLAS PKWY STE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $725 | — | $725 | 14.99% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $73 | $73 | 1.51% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 181 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 181 | $1.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 74 | $11K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $33K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.