| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC - 000 | 14221 DALLAS PARKWAY STE 750 DALLAS, TX 75254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $81K | $98K | 5.07% |
| IMA, INC. Filed as: IMA INC DBA IMA WALDMAN | 14221 DALLAS PARKWAY STE 750 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF AMERICA | — | $405 | $405 | 1.51% |
| IMA, INC. Filed as: IMA INC DBA IMA WALDMAN | 14221 DALLAS PARKWAY STE 750 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| WACHTOWER TECHNOLOGIES INC | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF AMERICA | — | $384 | $384 | 1.50% |
| IMA, INC.3 Filed as: IMA INC DBA IMA WALDMAN | 14221 DALLAS PARKWAY STE 750 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF AMERICA | — | $361 | $361 | 1.50% |
| IMA, INC.3 Filed as: IMA INC DBA IMA WALDMAN | 14221 DALLAS PARKWAY STE 750 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF AMERICA | $760 | — | $760 | 15.00% |
| WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF AMERICA | — | $76 | $76 | 1.50% |
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 | 237 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 237 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 237 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 237 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 237 | $27K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 237 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 237 | $26K |
| Other | LIFE INSURANCE COMPANY OF AMERICA | 237 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.