| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC -000 | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | BLUECROSS BLUESHIELD OF TEXAS | $53K | — | $53K | 2.94% |
| FROST INSURANCE AGENCY INC3 | 640 TAYLOR ST #1000 FORT WORTH, TX 76102 | BLUECROSS BLUESHIELD OF TEXAS | $46K | — | $46K | 2.54% |
| ROGERS BENEFIT GROUP INC3 | 12222 MERIT DR #1780 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $9K | — | $9K | 0.52% |
| IMA, INC.3 Filed as: IMA INC -000 | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 9.17% |
| IMA, INC.3 Filed as: IMA INC -000 | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $856 | $856 | 0.68% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $897 | — | $897 | 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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 303 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $126K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 220 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.