| 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 | $20K | $31K | $51K | 12.61% |
| DALLAS INSURANCE EXCHANGE II INC3 | 15660 DALLAS PKWY SUITE 500 DALLAS, TX 75248 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 3.58% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $910 | $364 | $1K | 7.00% |
| IMA, INC.3 | 1705 17TH ST SUITE 100 DENVERQ, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $329 | $3K | 15.57% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $1K | $133 | $1K | 16.88% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $960 | $128 | $1K | 17.01% |
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FREEWAY SUITE 200 DALLAS, TX 75240 | UNUM INSURANCE COMPANY | $730 | $97 | $827 | 12.99% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 136 | $404K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 136 | $404K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 136 | $404K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $25K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $16K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.