| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FWY SUITE 200 DALLAS, TX 75240 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | $26K | $34K | 5.68% |
| DALLAS INSURANCE EXCHANGE II INC3 | 15660 DALLAS PKWY SUITE 500 DALLAS, TX 75248 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 2.28% |
| IMA, INC.3 | 1705 17TH ST SUITE 100 DENVERQ, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $361 | $3K | 15.55% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $868 | $347 | $1K | 7.00% |
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FREEWAY SUITE 200 DALLAS, TX 75240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $372 | $2K | 16.74% |
| ERIK G LILJENWALL3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.07% |
| OPES ONE ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.07% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $992 | $132 | $1K | 16.99% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 195 | $600K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 195 | $600K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 195 | $600K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $24K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $18K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.