| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LG INSURANCE MANAGEMENT SERVICES LP3 Filed as: LG INSURANCE MANAGEMENT LP | — | BLUECROSS BLUESHIELD OF TEXAS | $3K | $1K | $4K | 0.34% |
| LG INSURANCE MANAGEMENT SERVICES LP3 | 12900 PRESTON RD STE 1205 DALLAS, TX 752301371 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $163 | $12K | 10.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.03% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $617 | $15K | 20.87% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $267 | $6K | 20.87% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 219 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $120K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $221K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $71K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.