| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1550 17TH ST, STE 600 DENVER, CO 80202 | CALIFORNIA PHYSICIANS SERVICE | $8K | $56K | $63K | 3.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E FOOTHILL BLVD, SUITE 100 PASADENA, CA 91107 | CALIFORNIA PHYSICIANS SERVICE | $5K | $36K | $41K | 2.34% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 13.67% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91102 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $556 | $3K | 11.49% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $390 | $6K | 24.49% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST, 3RD FL BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $422 | — | $422 | 1.82% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $168 | $2K | 15.18% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91107 | UNUM INSURANCE COMPANY | $512 | $100 | $612 | 8.05% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91102 | UNUM INSURANCE COMPANY | $1K | $171 | $1K | 15.77% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91102 | UNUM INSURANCE COMPANY | $406 | $75 | $481 | 11.84% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 193 | $1.8M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 193 | $1.8M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 174 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $97K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $74K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 193 | $1.8M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
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.