| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PHOENIX EXCESS RISK | $30K | $24K | $54K | 27.65% |
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINANCIAL | 2201 FORSYTHE AVE MONROE, LA 71201 | PHOENIX EXCESS RISK | — | $30K | $30K | 15.44% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $7K | — | $7K | 18.01% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | MULTI PLAN | $1K | — | $1K | 24.19% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PPO PLUS | $836 | — | $836 | 16.67% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL HELPLINE | $1K | — | $1K | 39.10% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PREMIER | $418 | — | $418 | 25.00% |
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 | 74 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 74 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK | 74 | $196K |
| Prescription drug | PHOENIX EXCESS RISK | 74 | $196K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK | 74 | $196K |
| Other(2 contracts, 2 carriers) | ACCESS HEALTH | 74 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74 | — |
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.