| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $75K | $21K | $96K | 1.79% |
| INDIGO INSURANCE SERVICES3 | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE & ACCIDENT | — | $12K | $12K | 8.47% |
| IMA, INC.3 Filed as: IMA INC | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | HARTFORD LIFE & ACCIDENT | $8K | — | $8K | 5.93% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.62% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.51% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.82% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR ST 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.49% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| IMA, INC.3 Filed as: IMA INC | 1 GATEWAY CTR SUITE 650 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $285 | $4K | 19.51% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 723 | $5.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 723 | $5.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 537 | $31K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE & ACCIDENT | 425 | $188K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 425 | $215K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 425 | $189K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 723 | $5.4M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE & ACCIDENT | 425 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.