| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.48% |
| IMA, INC.3 Filed as: IMA INC. | 316 FIRST AVE FL 3 KITTANNING, PA 16201 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.06% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | METROPOLITAN LIFE INSURANCE COMPANY | $861 | $0 | $861 | 5.99% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE | 430 E DOUGLAS AVE, STE 400 WICHITA, KS 67202 | METROPOLITAN LIFE INSURANCE COMPANY | $496 | $0 | $496 | 3.45% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FWY STE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $724 | $0 | $724 | 9.06% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $40K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 95 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 95 | $14K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 95 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
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.