| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 E DOUGLAS AVE, STE 400 WICHITA, KS 672023409 | BLUECROSS BLUESHIELD OF TEXAS | $49K | $8 | $49K | 3.79% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $5K | $1K | $6K | 0.45% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $635 | $16K | 13.77% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 6100 WESTERN PL STE 801 FT. WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $491 | $6K | 4.95% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 3.35% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 6100 WESTERN PL STE 801 FORT WORTH, TX 761074695 | AMERITAS LIFE INSURANCE CORP. | $531 | — | $531 | 0.74% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | AMERITAS LIFE INSURANCE CORP. | $239 | — | $239 | 0.33% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $131 | $4K | 15.10% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 6100 WESTERN PL STE 801 FT. WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $99 | $1K | 4.84% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $114 | $4K | 19.82% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 6100 WESTERN PL STE 801 FT. WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $80 | $1K | 6.16% |
| IMA, INC.3 | 430 E DOUGLAS AVE, STE 400 WICHITA, KS 672023409 | FRESHBENIES | $3K | — | $3K | 22.75% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $783 | — | $783 | 6.53% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSUR & FINANCIAL SRVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | VISION SERVICE PLAN | $639 | — | $639 | 5.33% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | VISION SERVICE PLAN | $104 | — | $104 | 0.87% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $60 | — | $60 | 0.50% |
| IMA, INC.3 | 430 E DOUGLAS AVE, STE 400 WICHITA, KS 672023409 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $1K | — | $1K | 14.17% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: A.G. INSURANCE AGENCIES, INC. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $180 | — | $180 | 2.46% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 203 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 198 | $72K |
| Vision | VISION SERVICE PLAN | 86 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $133K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $113K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.