| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC (CO) | 1705 17TH ST SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.25% |
| IMA, INC.3 Filed as: IMA INC-000 | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $4K | $23K | 4.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | METROPOLITAN LIFE INSURANCE COMPANY | $90 | — | $90 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22 | $22 | 0.00% |
| IMA, INC.3 Filed as: IMA OF TEXAS INC | STE 200 6200 LBJ FWY DALLAS, TX 75240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $227 | $1K | $1K | 0.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVE #1200 DALLAS, TX 75201 | EYEMED | $591 | — | $591 | 0.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVE #1200 DALLAS, TX 75201 | EYEMED | $43 | — | $43 | 5.80% |
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 | 1,805 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 353 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,988 | $518K |
| Vision(2 contracts) | EYEMED | 1,941 | $116K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $219K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $143K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $143K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,988 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.