| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $77K | $92K | 5.18% |
| DALLAS INSURANCE EXCHANGE II INC3 | 15660 DALLAS PKWY STE 500 DALLAS, TX 71894 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 1.15% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 17.39% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 17.87% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 17.42% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $293 | $293 | 1.52% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 17.60% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | — |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$598 | — | -$598 | — |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 434 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 434 | $1.8M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $19K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $48K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $44K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.