| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA, INC | 95 STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | SELECT HEALTH | $170K | $34K | $204K | 5.99% |
| IMA, INC.3 Filed as: IMA, INC | 95 STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP | $29K | $0 | $29K | 10.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET DENVER, CO 84111 | AMERITAS LIFE INSURANCE CORP | — | $8K | $8K | 2.82% |
| IMA, INC.3 Filed as: IMA, INC | UNKNOWN DALLAS, TX 75240 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $14K | $4K | $18K | 13.83% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE, SUITE 2300 SALT LAKE CITY, UT 84111 | GUARDIAN LIFE | $14K | $2K | $16K | 24.52% |
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 | 312 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECT HEALTH | 807 | $3.4M |
| Dental | AMERITAS LIFE INSURANCE CORP | 580 | $293K |
| Vision | AMERITAS LIFE INSURANCE CORP | 580 | $293K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 312 | $132K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 312 | $132K |
| Prescription drug | SELECT HEALTH | 807 | $3.4M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 312 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.