| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | BLUE CROSS BLUE SHIELD | $34K | — | $34K | 3.46% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | HARTFORD | $9K | — | $9K | 7.32% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | ALLSTATE | $2K | — | $2K | 14.37% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | DEARBORN NATIONAL | $157 | — | $157 | 7.19% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | CINCINNATI LIFE | $10 | — | $10 | 1.13% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | COLONIAL | $135 | — | $135 | 18.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMA, INC. EIN 72-0950191 CONTRACT | Contract Administrator; Claims processing Service code 12 | PO BOX 71120 BOSSIER CITY, LA 71171 | $60K |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 99 | $996K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD | 99 | $124K |
| Short-term disability | HARTFORD | 99 | $121K |
| Long-term disability | HARTFORD | 99 | $121K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 99 | $996K |
| Other(4 contracts, 4 carriers) | HARTFORD | 99 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.