| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PHOENIX EXCESS RISK | $50K | — | $50K | 15.35% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $10K | — | $10K | 12.19% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PPO PLUS | $2K | — | $2K | 9.33% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | VERITY | $926 | — | $926 | 7.25% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | MULTI PLAN | $3K | — | $3K | 28.03% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL HELPLINE | $4K | — | $4K | 33.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMA, INC. EIN 72-0950191 CONTRACT | Contract Administrator; Claims processing Service code 12 | PO BOX 71120 BOSSIER CITY, LA 71171 | $67K |
| COMMUNITY FINANCIAL EIN 86-1109226 AGENT | Insurance agents and brokers Service code 22 | 2201 FORSYTHE AVE MONROE, LA 71201 | $55K |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK | 169 | $325K |
| Prescription drug | PHOENIX EXCESS RISK | 169 | $325K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK | 169 | $325K |
| Other(2 contracts, 2 carriers) | ACCESS HEALTH | 169 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.