| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | IHCRS | $45K | $36K | $80K | 27.47% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | CIGNA | $4K | — | $4K | 20.00% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PPO PLUS | $994 | — | $994 | 14.29% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MUTUAL OF OMAHA | $716 | — | $716 | 20.10% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | AMERICAN HEALTH HOLDING | $547 | — | $547 | 18.97% |
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 | 84 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IHCRS | 84 | $293K |
| Dental | IHCRS | 84 | $293K |
| Vision | IHCRS | 84 | $293K |
| Life insurance | MUTUAL OF OMAHA | 84 | $4K |
| Prescription drug | IHCRS | 84 | $293K |
| Stop-loss / reinsurancereinsurance | IHCRS | 84 | $293K |
| Other(3 contracts, 3 carriers) | IHCRS | 84 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84 | — |
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.
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.