| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LG INSURANCE MANAGEMENT SERVICES LP3 | — | BLUECROSS BLUESHIELD OF TEXAS | $4K | — | $4K | 4.89% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $647 | $18K | 20.75% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $216 | $6K | 20.75% |
| LG MANAGEMENT SERVICES LLC3 | 12900 PRESTON ROAD, SUITE 1200 DALLAS, TX 75230 | EYEMED | $1K | — | $1K | 9.21% |
| LG INSURANCE MANAGEMENT SERVICES LP3 Filed as: LG INSURANCE MANAGEMENT SERVIC | STE 1205 12900 PRESTON RD DALLAS, TX 75230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 17.62% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77 | $3 | $80 | 20.89% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 241 | $86K |
| Vision | EYEMED | 176 | $11K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $115K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $86K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.