| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 802021657 | RELIASTAR LIFE INSURANCE COMPANY | $68K | $20K | $88K | 20.15% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 077193502 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $17K | $17K | 3.99% |
| WORKFORCE JUNCTION LLC3 | 1000 BURNETT AVE STE 320 CONCORD, CA 945202086 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.23% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | 6 CONCOURSE PARKWAY STE 2750 ATLANTA, GA 303286243 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.83% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.28% |
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 | 337 | 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) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 745 | $191K |
| Vision | VISION SERVICE PLAN | 216 | $48K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,360 | $438K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,360 | $438K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,360 | $438K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,360 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,360 | — |
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.