| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 6.62% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E. DOUGLAS AVENUE SUITE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.54% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | HARTFORD LIFE AND ACCIDENT | $43K | $670 | $44K | 14.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $856 | $856 | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX BOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | -$7 | — | -$7 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 412703 BOSTON, MA 02241 | HARTFORD LIFE AND ACCIDENT | -$15 | — | -$15 | -0.00% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN GENERAL INSURANCE COMPANY | $748 | — | $748 | 9.20% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN GENERAL INSURANCE COMPANY | $412 | — | $412 | 5.07% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $319K | — | $319K | 7405.55% |
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 | 499 | 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) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 757 | $4K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 734 | $363K |
| Vision | VISION SERVICE PLAN | 423 | $47K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 496 | $311K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 496 | $311K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 496 | $311K |
| Prescription drug | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 757 | $4K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 496 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 757 | — |
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.
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.