| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PACE UNDERWRITERS | $28K | $18K | $46K | 25.18% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $3K | — | $3K | 17.50% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PPO PLUS | $2K | — | $2K | 21.74% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | VERITY | $1K | — | $1K | 25.00% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | CIGNA | $721 | — | $721 | 20.04% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL HELPLINE | $1K | — | $1K | 35.76% |
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 | 54 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 54 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACE UNDERWRITERS | 54 | $182K |
| Life insurance | CIGNA | 54 | $4K |
| Stop-loss / reinsurancereinsurance | PACE UNDERWRITERS | 54 | $182K |
| Other(4 contracts, 4 carriers) | PACE UNDERWRITERS | 54 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.