| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | BLUE CROSS BLUE SHIELD | $35K | — | $35K | 3.19% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | HARTFORD | $14K | — | $14K | 10.15% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | ALLSTATE | $2K | — | $2K | 15.56% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | DEARBORN NATIONAL | $218 | — | $218 | 8.08% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | CINCINNATI LIFE | $26 | — | $26 | 2.94% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | COLONIAL | $47 | — | $47 | 6.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMA, INC. EIN 72-0950191 CONTRACT | Contract Administrator; Claims processing Service code 12 | PO BOX 71120 BOSSIER CITY, LA 71171 | $59K |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 98 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD | 98 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD | 98 | $1.1M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD | 98 | $140K |
| Short-term disability | HARTFORD | 98 | $137K |
| Long-term disability | HARTFORD | 98 | $137K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 98 | $1.1M |
| Other(4 contracts, 4 carriers) | HARTFORD | 98 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.