| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | HIGHMARK, INC. | $26K | — | $26K | 1.33% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK, INC. | $13K | — | $13K | 0.66% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | DELTA DENTAL OF MASSACHUSETTS | $4K | — | $4K | 4.01% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $760 | $4K | 13.17% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $607 | $3K | 11.35% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $783 | — | $783 | 7.14% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $312 | $1K | 15.47% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $462 | $363 | $825 | 26.78% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $847 | $139 | $986 | 34.94% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $718 | $139 | $857 | 35.83% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | METROPOLITAN GENERAL INSURANCE CO | $86 | — | $86 | 4.65% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $120 | $166 | $286 | 35.62% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 113 | $1.9M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 197 | $96K |
| Vision | VISION SERVICE PLAN | 78 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $33K |
| Prescription drug | HIGHMARK, INC. | 113 | $1.9M |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.