| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PACE UNDERWRITERS | $55K | $40K | $95K | 25.95% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | HARTFORD | $19K | — | $19K | 14.66% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | VERITY | $2K | — | $2K | 28.57% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MULTI PLAN | $3K | — | $3K | 32.37% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL HELPLINE | $2K | — | $2K | 39.10% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | ALLSTATE | $167 | — | $167 | 11.25% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | CINCINNATI LIFE | $14 | — | $14 | 2.99% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | COLONIAL | $44 | — | $44 | 9.71% |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACE UNDERWRITERS | 94 | $367K |
| Life insurance | HARTFORD | 94 | $127K |
| Short-term disability | HARTFORD | 94 | $127K |
| Long-term disability | HARTFORD | 94 | $127K |
| Prescription drug | PACE UNDERWRITERS | 94 | $367K |
| Stop-loss / reinsurancereinsurance | PACE UNDERWRITERS | 94 | $367K |
| Other(6 contracts, 6 carriers) | HARTFORD | 94 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.