| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | CIGNA | $117K | — | $117K | 20.10% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PHOENIX EXCESS RISK | $57K | — | $57K | 14.99% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | AFLAC | $23K | — | $23K | 10.04% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | AMERITAS | $19K | — | $19K | 10.11% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $22K | — | $22K | 20.55% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | CINCINNATI LIFE | $8K | — | $8K | 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 | VERITY | $7K | — | $7K | 32.77% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | AMERICAN HEALTH HOLDINGS | $5K | — | $5K | 34.65% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | PRUDENTIAL | $2K | — | $2K | 19.86% |
| IMA, INC.5 | PO BOX 71120 BOSSIER CITY, LA 71171 | ACTIVEMED | $280 | — | $280 | 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 | $111K |
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 | 345 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK | 345 | $383K |
| Dental | AMERITAS | 345 | $189K |
| Life insurance | PRUDENTIAL | 345 | $11K |
| Short-term disability | CIGNA | 345 | $580K |
| Long-term disability | CIGNA | 345 | $580K |
| Prescription drug | PHOENIX EXCESS RISK | 345 | $383K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK | 345 | $383K |
| Other(5 contracts, 5 carriers) | CIGNA | 345 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.