| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PHOENIX EXCESS RISK | $16K | $29K | $44K | 42.65% |
| ASSUREDPARTNERS3 Filed as: MEADORS, ADAMS, & LEE INC. | PO BOX 3456 LITTLE ROCK, AR 72203 | PHOENIX EXCESS RISK | — | $3K | $3K | 2.47% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | LINCOLN NATIONAL LIFE | $2K | — | $2K | 20.10% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PPO PLUS | $854 | — | $854 | 14.29% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | AMERICAN HEALTH HOLDING | $471 | — | $471 | 19.02% |
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 | 59 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 59 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK | 59 | $104K |
| Dental | PHOENIX EXCESS RISK | 59 | $104K |
| Life insurance | LINCOLN NATIONAL LIFE | 59 | $11K |
| Prescription drug | PHOENIX EXCESS RISK | 59 | $104K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK | 59 | $104K |
| Other(2 contracts, 2 carriers) | PHOENIX EXCESS RISK | 59 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59 | — |
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.