| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN, INC. | $25K | $54 | $25K | 5.00% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES CIGNA) | $18K | $856 | $19K | 10.41% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 16.20% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.04% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | VISION SERVICE PLAN | $1K | — | $1K | 4.38% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN, INC. | $774 | — | $774 | 6.48% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $146 | $1K | 20.92% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $475 | $475 | 8.13% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM INSURANCE COMPANY | $617 | $109 | $726 | 17.65% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM INSURANCE COMPANY | $518 | $89 | $607 | 17.60% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM INSURANCE COMPANY | $350 | $62 | $412 | 17.67% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 56 | $521K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES CIGNA) | 101 | $185K |
| Vision | VISION SERVICE PLAN | 96 | $34K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $74K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $68K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 56 | $521K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.