| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 14221 NORTH DALLAS PARKWAY #7 DALLAS, TX 75254 | HEALTH CARE SERVICE CORPORATION | $111K | — | $111K | 4.50% |
| IMA, INC.3 Filed as: IMA, INC | 6200 LBJ FREEWAY SUITE 200 DALLAS, TX 75240 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.50% |
| IMA, INC.3 | 14221 NORTH DALLAS PARKWAY #7 DALLAS, TX 75254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $55 | $14K | 16.87% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $610 | $610 | 0.75% |
| IMA, INC.3 | 14221 NORTH DALLAS PARKWAY #7 DALLAS, TX 75254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $18 | $4K | 15.07% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $212 | $212 | 0.75% |
| IMA, INC.3 | 14221 NORTH DALLAS PARKWAY #700 DALLAS, TX 75254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $44 | $2K | 15.34% |
| IMA, INC.3 Filed as: IMA SELECT LLC | 6200 LBJ FREEWAY, STE 200 DALLAS, TX 75240 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $897 | — | $897 | 15.00% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 294 | $2.5M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 113 | $128K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 113 | $128K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $110K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $81K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
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.