| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | CIGNA | $157K | — | $157K | 15.27% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PHOENIX EXCESS RISK | $71K | — | $71K | 15.00% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | AFLAC | $33K | — | $33K | 10.04% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $40K | — | $40K | 20.91% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | CINCINNATI LIFE | $7K | — | $7K | 10.81% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PPO PLUS | $11K | — | $11K | 18.57% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | VERITY | $13K | — | $13K | 33.68% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL HELPLINE | $9K | — | $9K | 39.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMA, INC. EIN 72-0950191 CONTRACT | Claims processing; Contract Administrator Service code 12 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | $146K |
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 | 430 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK | 430 | $476K |
| Dental | CIGNA | 430 | $1.0M |
| Vision | CIGNA | 430 | $1.0M |
| Life insurance | CIGNA | 430 | $1.0M |
| Short-term disability | CIGNA | 430 | $1.0M |
| Long-term disability | CIGNA | 430 | $1.0M |
| Prescription drug | PHOENIX EXCESS RISK | 430 | $476K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK | 430 | $476K |
| Other(5 contracts, 5 carriers) | CIGNA | 430 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.