| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | P. O. BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL RISK MANAGERS | $56K | — | $56K | 15.00% |
| IMA, INC.5 | P. O. BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $10K | — | $10K | 18.49% |
| IMA, INC.5 | P. O. BOX 71120 BOSSIER CITY, LA 71171 | VERITY | $8K | — | $8K | 33.34% |
| IMA, INC.5 | P. O. BOX 71120 BOSSIER CITY, LA 71171 | MUTUAL OF OMAHA | $5K | — | $5K | 27.26% |
| IMA, INC.5 | P. O. BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL HELPLINE | $3K | — | $3K | 41.52% |
| IMA, INC.5 | P. O. BOX 71120 BOSSIER CITY, LA 71171 | COLONIAL | $50 | — | $50 | 2.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMA, INC. EIN 72-0950191 CONTRACT | Claims processing Service code 12 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | $64K |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL RISK MANAGERS | 160 | $376K |
| Dental | MEDICAL RISK MANAGERS | 160 | $376K |
| Vision | MEDICAL RISK MANAGERS | 160 | $376K |
| Life insurance | MUTUAL OF OMAHA | 160 | $19K |
| Prescription drug | MEDICAL RISK MANAGERS | 160 | $376K |
| Stop-loss / reinsurancereinsurance | MEDICAL RISK MANAGERS | 160 | $376K |
| Other(5 contracts, 5 carriers) | MEDICAL RISK MANAGERS | 160 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.