| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 6 CONCOURSE PARKWAY, SUITE 3000 ATLANTA, GA 30328 | DELTA DENTAL INSURANCE COMPANY | $22K | — | $22K | 6.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 300 WEST 10TH STREET WEST POINT, GA 31833 | DELTA DENTAL INSURANCE COMPANY | $11K | — | $11K | 3.37% |
| IMA, INC.3 | 6 CONCOURSE PARKWAY, SUITE 2075 ATLANTA, GA 30328 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $14K | $17K | 7.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 KIMBALL PLACE, SUITE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 300 WEST 10TH STREET WEST POINT, GA 31833 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.37% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $1K | — | $1K | 3.26% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 702 | $327K |
| Vision | VISION SERVICE PLAN | 337 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $229K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $229K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $229K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.