| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $45K | $45K | 1.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $3.5M |
| CAPITAL RX NONE | Contract Administrator; Direct payment from the plan Service code 13 | 285 FULTON ST. NEW YORK, NY 10007 | $531K |
| TRIA HEALTH NONE | Direct payment from the plan; Contract Administrator Service code 13 | 7101 COLLEGE BLVD, STE 600 OVERLAND PARK, KS 66210 | $239K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $228K |
| VISION SERVICE PLAN EIN 36-3560825 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $152K |
| COMPSYCH EIN 36-3739783 NONE | Other services; Plan Administrator; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $99K |
| EMPLOYER DIRECT HEALTHCARE, LLC NONE | Direct payment from the plan; Other services Service code 49 | 2100 ROSS AVENUE, SUITE 550 DALLAS, TX 75201 | $21K |
| WEX NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 1 HANCOCK STREET PORTLAND, ME 04101 | $21K |
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 | 4,904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 103 | $1.2M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 11 | $47K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 10,717 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,717 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.