| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 316 FIRST AVENUE 3RD FLOOR KITTANNING, PA 16201 | VISION BENEFITS OF AMERICA | $766 | — | $766 | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 672023408 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 7.42% |
| IMA, INC.3 Filed as: IMA INC | 101 EAST DIAMOND STREET BUTLER, PA 16001 | FEDERAL INSURANCE COMPANY | $374 | $12 | $386 | 15.49% |
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 | 621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 603 | $51K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 182 | $29K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 182 | $29K |
| Other | FEDERAL INSURANCE COMPANY | 621 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.