| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LG INSURANCE MANAGEMENT SERVICES LP3 | — | BLUECROSS BLUESHIELD OF TEXAS | $99K | $1K | $100K | 4.68% |
| IMA, INC. Filed as: IMA INC -000 | — | BLUECROSS BLUESHIELD OF TEXAS | $64K | — | $64K | 3.01% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE #430 WICHITA, KS 67202 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.45% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE #430 WICHITA, KS 67202 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CA 80202 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.96% |
| 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 | $2K | — | $2K | 8.76% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $60 | $1K | 6.55% |
| LG INSURANCE MANAGEMENT SERVICES LP3 Filed as: LG INSURANCE MANAGEMENT SERVICES | DBA GBE W. 12900 PRESTON ROAD, SUITE 1200 DALLAS, TX 75230 | EYEMED VISION CARE | $883 | — | $883 | 6.59% |
| IMA, INC.3 Filed as: IMA, INC. - DALLAS, TX | PO BOX 2992 WICHITA, KS 672012992 | EYEMED VISION CARE | $560 | — | $560 | 4.18% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 248 | $2.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 248 | $2.1M |
| Vision | EYEMED VISION CARE | 202 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 173 | $51K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 150 | $32K |
| Other | STANDARD INSURANCE COMPANY | 173 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.