| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA, INC | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $18K | $10K | $28K | 5.48% |
| IMA, INC.3 Filed as: IMA, INC | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71171 | UNITED HEALTHCARE | $2K | — | $2K | 7.80% |
| IMA, INC.3 Filed as: IMA, INC | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 711114600 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| IMA, INC. Filed as: IMA, INC | 1325 BARKSDALE BLVD., SUITE 300 BOSSIER CITY, LA 71111 | AFLAC | $221 | — | $221 | 3.09% |
| JOSEPH A SPEYRER | 302 LOUISE DRIVE LAFAYETTE, LA 70506 | AFLAC | $137 | $13 | $150 | 2.09% |
| AARON L PARVINO | 102 MISSION HILLS DRIVE BROUSSARD, LA 70506 | AFLAC | $135 | $8 | $143 | 2.00% |
| KENNETH A WIMER | 2533 BERT KOWNS INDUSTRIAL STE 121 SHREVEPORT, LA 71118 | AFLAC | $75 | — | $75 | 1.05% |
| SIEGAN J VERGENAL | 101 OVERBROOK DRIVE BROUSSARD, LA 70518 | AFLAC | $61 | — | $61 | 0.85% |
| FRANCINE L PARVINO | 102 MISSION HILLS DRIVE BROUSSARD, LA 70518 | AFLAC | $41 | $8 | $49 | 0.68% |
| ROGER A PISANI | PO BOX 1136 NEW IBERIA, LA 70562 | AFLAC | $39 | — | $39 | 0.54% |
| SKYE A VERGENAL | 715 MALLARD COVE NEW IBERIA, LA 70560 | AFLAC | $39 | — | $39 | 0.54% |
| CAROLOS D ESPINOSA | 17103 VERDE PARK LANE CYPRESS, TX 77433 | AFLAC | $30 | $8 | $38 | 0.53% |
| ADRIAN S JOHNSON Filed as: ADRIAN JOHNSON | 289 MONTROSE PLACE BOSSIER CITY, LA 71111 | AFLAC | $11 | — | $11 | 0.15% |
| TERRY JAMES LAPORTE Filed as: TERRY JAMES LAPORTES | 1007 HUGH DRIVE SAINT MARTINVILLE, LA 70582 | AFLAC | $11 | — | $11 | 0.15% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 127 | $511K |
| Dental | UNITED HEALTHCARE | 153 | $31K |
| Vision | HM LIFE INSURANCE COMPANY | 120 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 127 | $511K |
| Other | AFLAC | 13 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.