| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA CORP | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | HPHC INSURANCE COMPANY | $18K | $2K | $20K | 3.14% |
| IMA, INC.3 Filed as: IMA INC | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $10K | $905 | $11K | 3.11% |
| IMA, INC.3 Filed as: IMA CORP | 1 GATEWAY CTR STE 551 NEWTON, MA 02458 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.82% |
| HPHC INSURANCE AGENCY, INC.3 Filed as: HPHC INSURANCE AGENCY | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.53% |
| IMA, INC.3 Filed as: IMA CORP | ONE GATEWAY ENTER STE 650 NEWTON, MA 02458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.56% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 112 | $965K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $142K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 146 | $11K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $142K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $142K |
| Prescription drug(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 112 | $965K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.