| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | CIGNA HEALTH AND LIFE INSURANCE | $46K | — | $46K | 11.53% |
| WALDMAN BROS LLP3 | 16400 DALLAS PKWY SUITE 310 DALLAS, TX 75248 | CIGNA HEALTH AND LIFE INSURANCE | $31K | $0 | $31K | 7.85% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | — | $39K | 19.99% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST N WICHITA, KS 67226 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 1.81% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.99% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.99% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | HARTFORD LIFE AND ACCIDENT | $707 | — | $707 | 15.00% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 168 | $398K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE | 168 | $398K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $193K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $193K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.