| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC -000 | 6200 LBJ FREEWAY STE 200 DALLAS, TX 75240 | BLUECROSS BLUESHIELD OF TEXAS | $110K | — | $110K | 5.50% |
| IMA, INC. Filed as: IMA INC -000 | 14221 DALLAS PKWY STE 700 DALLAS, TX 75254 | METROLPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 9.95% |
| WATCHTOWER BENEFITS LLC DBA THREEFL3 | 306 W ERIE ST 300 CHICAGO, IL 60654 | METROLPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.38% |
| IMA, INC.3 Filed as: IMA INC -000 | PO BOX 2992 WICHITA, KS 67201 | METROLPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.32% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FREEWAY STE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $9K | 17.59% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FREEWAY STE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 17.95% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FREEWAY STE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $890 | $6K | 17.86% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET DENVER, CO 80202 | METROLPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FREEWAY STE 200 DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $181 | $1K | 17.64% |
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 310 | $2.0M |
| Dental | METROLPOLITAN LIFE INSURANCE COMPANY | 470 | $143K |
| Vision | METROLPOLITAN LIFE INSURANCE COMPANY | 335 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $40K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $31K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.