| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL RISK MANAGERS INC | $33K | $32K | $64K | 29.56% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | AMERITAS | $4K | — | $4K | 10.00% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | HARTFORD | $7K | — | $7K | 19.26% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $5K | — | $5K | 18.11% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | DAVIS VISION | $834 | — | $834 | 10.00% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MULTI PLAN | $2K | — | $2K | 24.20% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PPO PLUS | $1K | — | $1K | 16.67% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | AMERICAN HEALTH HOLDING | $2K | — | $2K | 37.11% |
| IMA, INC. Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | VERITY | — | — | $0 | 0.00% |
| IMA, INC.5 Filed as: IMA, INC | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PREMIER | $543 | — | $543 | 25.02% |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL RISK MANAGERS INC | 94 | $217K |
| Dental | AMERITAS | 94 | $42K |
| Vision | DAVIS VISION | 94 | $8K |
| Life insurance | HARTFORD | 94 | $39K |
| Long-term disability | HARTFORD | 94 | $39K |
| Prescription drug | MEDICAL RISK MANAGERS INC | 94 | $217K |
| Stop-loss / reinsurancereinsurance | MEDICAL RISK MANAGERS INC | 94 | $217K |
| Other(3 contracts, 3 carriers) | MEDICAL RISK MANAGERS INC | 94 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.