| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | CIGNA | $178K | — | $178K | 14.86% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PHOENIX EXCESS RISK | $63K | — | $63K | 15.16% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | AFLAC | $28K | — | $28K | 10.04% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | ACCESS HEALTH | $33K | — | $33K | 14.20% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | PPO PLUS | $15K | — | $15K | 21.74% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | CINCINNATI LIFE | $5K | — | $5K | 10.81% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | VERITY | $12K | — | $12K | 24.99% |
| IMA, INC.5 | P.O. BOX 71120 BOSSIER CITY, LA 71171 | MEDICAL HELPLINE | $12K | — | $12K | 33.98% |
| 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 | $188K |
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 | 516 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK | 516 | $415K |
| Dental | CIGNA | 516 | $1.2M |
| Vision | CIGNA | 516 | $1.2M |
| Life insurance | CIGNA | 516 | $1.2M |
| Short-term disability | CIGNA | 516 | $1.2M |
| Long-term disability | CIGNA | 516 | $1.2M |
| Prescription drug | PHOENIX EXCESS RISK | 516 | $415K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK | 516 | $415K |
| Other(5 contracts, 5 carriers) | CIGNA | 516 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.