| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT ADMINISTRATORS6 | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | INTERNATIONAL ASSURANCE OF TN | $83K | $180K | $263K | 35.13% |
| INSURANCE MANAGEMENT ADMINISTRATORS3 | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | UNUM | $75K | $120K | $195K | 39.01% |
| INSURANCE MANAGEMENT ADMINISTRATORS3 | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | VOYA - RELIASTAR LIFE INSURANCE COMPANY | $72K | $116K | $188K | 39.01% |
| INSURANCE MANAGEMENT ADMINISTRATORS6 | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | VERITY - HEALTHCARE HWYS | $3K | $15K | $18K | 29.33% |
| INSURANCE MANAGEMENT ADMINISTRATORS5 | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | MEDICAL HELPLINE | $25K | $11K | $36K | 77.35% |
| INSURANCE MANAGEMENT ADMINISTRATORS5 | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | PREMIER ACCESS INC | $6K | $10K | $15K | 37.71% |
| INSURANCE MANAGEMENT ADMINISTRATORS5 | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | PCHS/MULTIPLAN | $8K | $4K | $12K | 68.13% |
| INSURANCE MANAGEMENT ADMINISTRATORS5 | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | MAGELLAN | $49K | $4K | $52K | 332.40% |
| INSURANCE MANAGEMENT ADMINISTRATORS7 | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | PPOPLUS | $2K | $4K | $6K | 40.35% |
| INSURANCE MANAGEMENT ADMINISTRATORS5 | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | MY HEALTH - IMA OF LOUISIANA | $38K | $0 | $38K | — |
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 | 867 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INTERNATIONAL ASSURANCE OF TN | 867 | $795K |
| Dental(2 contracts, 2 carriers) | INTERNATIONAL ASSURANCE OF TN | 867 | $795K |
| Vision(2 contracts, 2 carriers) | INTERNATIONAL ASSURANCE OF TN | 867 | $795K |
| Life insurance(2 contracts, 2 carriers) | INTERNATIONAL ASSURANCE OF TN | 867 | $1.2M |
| Short-term disability | VOYA - RELIASTAR LIFE INSURANCE COMPANY | 867 | $483K |
| Long-term disability(3 contracts, 3 carriers) | INTERNATIONAL ASSURANCE OF TN | 867 | $1.7M |
| Prescription drug(3 contracts, 3 carriers) | INTERNATIONAL ASSURANCE OF TN | 867 | $811K |
| Stop-loss / reinsurancereinsurance | INTERNATIONAL ASSURANCE OF TN | 867 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.