| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | BLUECROSS BLUESHIELD OF TEXAS | $50K | $13 | $50K | 2.25% |
| IMA, INC.3 Filed as: IMA INC | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 12.31% |
| IMA, INC.3 Filed as: IMA INC | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $0 | — | $0 | 0.00% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 260 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 260 | $2.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | 236 | $9K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 130 | $45K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 260 | $2.2M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 130 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
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.