| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PHOENIX EXCESS RISK | $55K | $26K | $81K | 22.36% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | LINCOLN NATIONAL LIFE | $9K | — | $9K | 15.54% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | CIGNA | $4K | — | $4K | 9.61% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $7K | — | $7K | 20.35% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PPO PLUS | $938 | — | $938 | 11.11% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MULTI PLAN | $1K | — | $1K | 24.19% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | VERITY | $469 | — | $469 | 9.09% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL HELPLINE | $2K | — | $2K | 39.08% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | COLONIAL | $17 | — | $17 | 0.55% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | AMERICAN HERITAGE - ALLSTATE | $156 | — | $156 | 6.52% |
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 | 69 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 69 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK | 69 | $363K |
| Dental | CIGNA | 69 | $39K |
| Vision | CIGNA | 69 | $39K |
| Life insurance | LINCOLN NATIONAL LIFE | 69 | $56K |
| Short-term disability | LINCOLN NATIONAL LIFE | 69 | $56K |
| Prescription drug | PHOENIX EXCESS RISK | 69 | $363K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK | 69 | $363K |
| Other(6 contracts, 6 carriers) | PHOENIX EXCESS RISK | 69 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69 | — |
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.