| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | BLUE CROSS OF CALIFORNIA | $58K | — | $58K | 4.86% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $1K | $12K | 11.12% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $469 | $6K | 16.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | ADMINISTRATORS INC. 721 S. PARKER STREET, SUITE 300 ORANGE, CA 92868 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.94% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $451 | $5K | 15.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | ADMINISTRATORS INC. 721 S. PARKER STREET, SUITE 300 ORANGE, CA 92868 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.76% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $183 | $2K | 10.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | ADMINISTRATORS INC. 721 S. PARKER STREET, SUITE 300 ORANGE, CA 92868 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $679 | $679 | 4.75% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM INSURANCE COMPANY | $2K | $222 | $2K | 16.60% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM INSURANCE COMPANY | $1K | $123 | $1K | 16.01% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 256 | $1.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 126 | $106K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 126 | $106K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $35K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 256 | $1.2M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.