| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 Filed as: IMA, INC | PO BOX 71120 BOSSIER CITY, LA 71171 | VOYA | $118K | — | $118K | 13.17% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J ALFORD INS CORP | 1217 MUSEUM DR HOUMA, LA 703606073 | AMERITAS LIFE INSURANCE CORP. | $12K | $568 | $12K | 10.48% |
| IMA, INC.5 Filed as: IMA, INC | PO BOX 71120 BOSSIER CITY, LA 71171 | VERITY | $10K | — | $10K | 11.42% |
| GRIFFIN AGENCY INC3 | 664 CORPORATE DRIVE HOUMA, LA 70360 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| IMA, INC.5 Filed as: IMA, INC | PO BOX 71120 BOSSIER CITY, LA 71171 | AMERICAN HEALTH HOLDINGS | $7K | — | $7K | 18.97% |
| IMA, INC.5 Filed as: IMA, INC | PO BOX 71120 BOSSIER CITY, LA 71171 | MULTI PLAN | $2K | — | $2K | 24.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMA, INC EIN 72-0950191 CONTRACT | Claims processing Service code 12 | PO BOX 71120 BOSSIER CITY, LA 71171 | $364K |
| ALFORD, STAPLES, & LAPEYRE EIN 72-1279654 CONTRACT | Insurance agents and brokers Service code 22 | 1217 MUSEUM DRIVE HOUMA, LA 70360 | $163K |
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 | 982 | 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) | 982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | VOYA | 982 | $896K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,983 | $535K |
| Prescription drug | VOYA | 982 | $896K |
| Stop-loss / reinsurancereinsurance | VOYA | 982 | $896K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 982 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,983 | — |
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.