| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | BLUECROSS BLUESHIELD OF TEXAS | $107K | $2K | $109K | 4.87% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST, STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $11K | $976 | $12K | 16.28% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST, STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $6K | $757 | $7K | 16.75% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $649 | $649 | 1.50% |
| IMA, INC.3 Filed as: IMA | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | HEALTHIEST YOU | $5K | — | $5K | 15.00% |
| IMA, INC.3 Filed as: IMA, INC. - DALLAS, TX | PO BOX 2992 WICHITA, KS 672012992 | EYEMED VISION CARE | $1K | — | $1K | 10.01% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $80 | $2K | 17.55% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $160 | — | $160 | 1.67% |
| FRENCHA LEGACY3 | 3435 CALERA TRL UNIT 6619 FORTH WORTH, TX 76177 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $182 | — | $182 | 16.71% |
| ELIZABETH WILMER DBA LG INSURANCE3 | 12900 PRESTON RD STE 1200 DALLAS, TX 75230 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $160 | — | $160 | 14.69% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 265 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 265 | $2.2M |
| Vision | EYEMED VISION CARE | 222 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 195 | $76K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $10K |
| Long-term disability | STANDARD INSURANCE COMPANY | 172 | $43K |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 195 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.