| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | HCC LIFE INSURANCE | $36K | $29K | $65K | 26.84% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | CIGNA | $4K | — | $4K | 10.02% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | HARTFORD | $7K | — | $7K | 20.00% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $6K | — | $6K | 18.29% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | HEALTHCARE HIGHWAYS | $1K | — | $1K | 10.52% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | DAVIS VISION | $796 | — | $796 | 10.00% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | AMERICAN HEALTH HOLDING | $570 | — | $570 | 17.71% |
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) | HCC LIFE INSURANCE | 84 | $242K |
| Dental | CIGNA | 84 | $44K |
| Vision | DAVIS VISION | 84 | $8K |
| Life insurance | HARTFORD | 84 | $36K |
| Short-term disability | HARTFORD | 84 | $36K |
| Long-term disability | HARTFORD | 84 | $36K |
| Prescription drug | HCC LIFE INSURANCE | 84 | $242K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 84 | $242K |
| Other(3 contracts, 3 carriers) | HCC LIFE INSURANCE | 84 | $276K |
| 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.