| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | CIGNA | $104K | — | $104K | 21.68% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PHOENIX EXCESS RISK | $66K | — | $66K | 15.00% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | AFLAC | $19K | — | $19K | 10.07% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | UNITED CONCORDIA | $14K | — | $14K | 10.06% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $25K | — | $25K | 22.15% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | CINCINNATI LIFE | $9K | — | $9K | 10.81% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PPO PLUS | $4K | — | $4K | 14.29% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PRUDENTIAL | $2K | — | $2K | 20.10% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | AMERICAN HEALTH HOLDINGS | $2K | — | $2K | 18.97% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | ACTIVENET | $4K | — | $4K | 53.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMA, INC. EIN 72-0950191 CONTRACT | Claims processing; Contract Administrator Service code 12 | PO BOX 71120 BOSSIER CITY, LA 71171 | $100K |
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 | 308 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK | 308 | $438K |
| Dental | UNITED CONCORDIA | 308 | $144K |
| Life insurance | PRUDENTIAL | 308 | $11K |
| Short-term disability | CIGNA | 308 | $479K |
| Long-term disability | CIGNA | 308 | $479K |
| Prescription drug | PHOENIX EXCESS RISK | 308 | $438K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK | 308 | $438K |
| Other(5 contracts, 5 carriers) | CIGNA | 308 | $876K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.