| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 6200 LBJ FWY, STE 200 DALLAS, TX 75240 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $57K | $57K | 3.65% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $3K | $30K | 16.41% |
| IMA, INC.3 Filed as: IMA INC | 6200 LYNDON B JOHNSON FWY, STE 200 DALLAS, TX 75240 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 8.83% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $22 | $2K | 1.50% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 10.35% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $809 | $7K | 6.44% |
| IMA, INC.3 | 1705 17TH ST. STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $677 | $5K | 11.60% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $409 | $2K | 6.17% |
| IMA, INC.3 | 1705 17TH ST. STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $156 | $1K | 10.38% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC, | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $693 | $185 | $878 | 7.55% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 376 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $159K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $159K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $51K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $107K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 756 | $181K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 756 | — |
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.