| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTEK BENEFIT ADMINISTRATORS5 | — | ADVANTEK | — | $559K | $559K | 6.61% |
| U.S. SCRIPT5 | — | U.S. SCRIPT | — | $68K | $68K | 3.66% |
| IMA, INC.3 Filed as: IMA INC. | 23736 SKY HARBOUR ROAD FRIANT, CA 93626 | SYMETRA LIFE INSURANCE COMPANY | $149K | $19K | $168K | 13.30% |
| IMA, INC.3 Filed as: IMA INC. | P. O. BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $219 | $22K | 11.76% |
| IMA, INC.3 Filed as: IMA OF COLORADO INC. | 1550 17TH STREET, #600 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 4.00% |
| IMA, INC.3 Filed as: IMA INC. | P. O. BOX 2992 WICHITA, KS 672012992 | METROPOLIATAN LIFE INSURANCE COMPANY | $2K | $69 | $2K | 14.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE & HEALTH EIN 95-4331852 TPA | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | 3350 PEACHTREE ROAD P. O. BOPX 30302-445 ATLANTA, GA 303261039 | $235K |
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 | 1,143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ADVANTEK | 2,197 | $8.4M |
| Dental | ADVANTEK | 2,197 | $8.4M |
| Vision | ADVANTEK | 2,197 | $8.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,143 | $183K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 444 | $151K |
| Prescription drug | U.S. SCRIPT | 2,197 | $1.8M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,197 | $1.3M |
| Other | METROPOLIATAN LIFE INSURANCE COMPANY | 1,143 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,197 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.