| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 711711120 | PHOENIX EXCESS RISK | $22K | $21K | $44K | 29.55% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 711711120 | MUTUAL OF OMAHA | $6K | — | $6K | 14.99% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 711711120 | ALWAYS CARE | $3K | — | $3K | 9.28% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 711711120 | ACCESS HEALTH | $6K | — | $6K | 21.80% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 711711120 | VERITY | $3K | — | $3K | 33.35% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 711711120 | AMERICAN HEALTH HOLDINGS | $382 | — | $382 | 12.11% |
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 | 62 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK | 62 | $148K |
| Dental | ALWAYS CARE | 62 | $33K |
| Vision | ALWAYS CARE | 62 | $33K |
| Life insurance | MUTUAL OF OMAHA | 62 | $38K |
| Long-term disability | MUTUAL OF OMAHA | 62 | $38K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK | 62 | $148K |
| Other(3 contracts, 3 carriers) | PHOENIX EXCESS RISK | 62 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.