| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 14221 DALLAS PKWY STE 700 DALLAS, TX 752542962 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $99K | $101K | 4.78% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE II, INC. | 15660 DALLAS PKWY STE 500 DALLAS, TX 752483354 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 0.99% |
| IMA, INC.3 | 14221 DALLAS PKWY STE 700 DALLAS, TX 752542962 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE II, INC. | 15660 DALLAS PKWY STE 500 DALLAS, TX 752483354 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $22K | 15.85% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $494 | $4K | 16.57% |
| IMA, INC.3 | 14221 DALLAS PKWY STE 700 DALLAS, TX 752542962 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE II, INC. | 15660 DALLAS PKWY STE 500 DALLAS, TX 752483354 | UNITEDHEALTHCARE INSURANCE COMPANY | $719 | — | $719 | 3.00% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $166K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $26K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $164K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $137K |
| Prescription drug | NEWBENEFITS, LTD | 221 | $2K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.