| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CENTER STE 650 NEWTON, MA 02458 | SUN LIFE ASSURANCE COMPANY OF CANADA | $347K | $60K | $407K | 11.73% |
| UNITED BENEFIT ADVISORS LLC3 | 20 N WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $52K | — | $52K | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $16K | $66K | 3.96% |
| IMA, INC.3 Filed as: IMA INC, | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $8K | — | $8K | 1.93% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER M ALLEN | STE 1012 20 PARK PLAZA BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $16K | $2K | $18K | 7.56% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT JR | STE 1012 20 PARK PLAZA BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $16K | — | $16K | 6.87% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER M ALLEN | STE 1012 20 PARK PLAZA BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $18K | $2K | $20K | 15.55% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT JR | STE 1012 20 PARK PLAZA BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $18K | — | $18K | 14.04% |
| CALIBER BENEFITS GROUP3 Filed as: CALIBER BENEFIT GROUP | STE 1012 20 PARK PLAZA BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $41K | $2K | $42K | 44.41% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | ACE AMERICAN INSURANCE COMPANY | $7K | $196 | $7K | 15.45% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $2.4M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 CLAIM ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $84K |
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 | 2,329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $26K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $26K |
| Vision | VISION SERVICE PLAN | 1,719 | $400K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,329 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,329 | $1.7M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $26K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,040 | $3.5M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,329 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,329 | — |
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.