| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 Filed as: IMA, INC | PO BOX 71120 BOSSIER CITY, LA 71171 | PHOENIX EXCESS RISK | $20K | $25K | $45K | 34.47% |
| CHAPMAN GROUP, INC.3 Filed as: THE CHAPMAN GROUP INC | 3888 S SHERWOOD FOREST, SUITE T BATON ROUGE, LA 70816 | PHOENIX EXCESS RISK | — | $9K | $9K | 6.55% |
| CYNTHIA WALTERS3 | 422 CANKTON RD CARENCRO, LA 70520 | PHOENIX EXCESS RISK | — | $2K | $2K | 1.36% |
| IMSA3 | 409 CLAYMORE DR LAFAYETTE, LA 70503 | PHOENIX EXCESS RISK | — | $2K | $2K | 1.35% |
| IMA, INC.5 Filed as: IMA, INC | PO BOX 71120 BOSSIER CITY, LA 71171 | AMERITAS GROUP | $2K | — | $2K | 9.89% |
| IMA, INC.5 Filed as: IMA, INC | PO BOX 71120 BOSSIER CITY, LA 71171 | BOSTON MUTUAL | $2K | — | $2K | 16.85% |
| IMA, INC.5 Filed as: IMA, INC | PO BOX 71120 BOSSIER CITY, LA 71171 | HEALTHCARE HIGHWAYS | $693 | — | $693 | 10.53% |
| IMA, INC.5 Filed as: IMA, INC | PO BOX 71120 BOSSIER CITY, LA 71171 | LINCOLN NATIONAL LIFE | $616 | — | $616 | 10.26% |
| IMA, INC.5 Filed as: IMA, INC | PO BOX 71120 BOSSIER CITY, LA 71171 | AMERICAN HEALTH HOLDINGS | $381 | — | $381 | 17.73% |
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 | 56 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 56 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK | 56 | $130K |
| Dental | AMERITAS GROUP | 56 | $23K |
| Vision | LINCOLN NATIONAL LIFE | 56 | $6K |
| Life insurance | BOSTON MUTUAL | 56 | $12K |
| Prescription drug | PHOENIX EXCESS RISK | 56 | $130K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK | 56 | $130K |
| Other(3 contracts, 3 carriers) | PHOENIX EXCESS RISK | 56 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56 | — |
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.