| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 6200 LBJ FWY SUITE 200 DALLAS, TX 75240 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | $0 | $45K | 10.00% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $24K | $24K | 5.42% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.46% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 16.17% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.70% |
| IMA, INC.3 Filed as: IMA FINANCIAL GROUP, INC. | PO BOX 733835 DALLAS, TX 75373 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $122 | $3K | 11.46% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | METROPOLITAN GENERAL INSURANCE COMPANY | -$170 | $0 | -$170 | -0.68% |
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 | 1,436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 25 | $139K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,862 | $136K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,428 | $450K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,428 | $450K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,428 | $450K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 25 | $139K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,625 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,862 | — |
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.