| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FWY SUITE 200 DALLAS, TX 75240 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $32K | $32K | 5.39% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH ST. SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | — | $48K | 18.74% |
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FWY SUITE 200 DALLAS, TX 75240 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 4.35% |
| IMA, INC.3 Filed as: IMA, INC | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $789 | — | $789 | 13.89% |
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 | 1,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 2,277 | $712K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 841 | $126K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,427 | $600K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,427 | $600K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,427 | $892K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,277 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.