| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 95 SOUTH STATE, SUITE 1300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $54K | $17K | $70K | 4.67% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | EQUITABALE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 13.40% |
| IMA, INC.3 Filed as: IMA INC. | 95 SOUTH STATE, SUITE 1300 SALT LAKE CITY, UT 84111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 36.15% |
| IMA, INC.3 Filed as: IMA INC. | 95 SOUTH STATE, SUITE 1300 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 6.77% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STRET, SUITE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP | $0 | $827 | $827 | 3.30% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 224 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 400 | $1.5M |
| Vision | AMERITAS LIFE INSURANCE CORP | 248 | $25K |
| Life insurance | EQUITABALE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 205 | $81K |
| Short-term disability | EQUITABALE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 205 | $81K |
| Prescription drug | SELECTHEALTH | 400 | $1.5M |
| Other(2 contracts, 2 carriers) | EQUITABALE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 205 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.