| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN, INC. | $72K | — | $72K | 5.39% |
| IMA, INC.3 | 8200 E. 32ND ST. N. WICHITA, KS 67226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 9.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $523 | — | $523 | 0.76% |
| LAURIE A. HENNESSY3 | 276 MELROSE DR. OXNARD, CA 93035 | AFLAC | $912 | $107 | $1K | 5.67% |
| KATHY TRAVIS3 | 276 MELROSE DR. OXNARD, CA 93035 | AFLAC | $421 | $46 | $467 | 2.60% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DR. CAMARILLO, CA 93012 | AFLAC | $366 | $30 | $396 | 2.20% |
| STEPHANIE M INSABELLA3 Filed as: STEPHANIE M. INSABELLA | 1113 MONTAUK LANE VENTURA, CA 93001 | AFLAC | $182 | $30 | $212 | 1.18% |
| VIRGIL LEE WHITE3 | 47 OBSIDIAN DR. OAKDALE, CA 95361 | AFLAC | $149 | — | $149 | 0.83% |
| ARLICE C. MARSHALL3 | 23709 BLACKBIRD CIR. MORENO VALLEY, CA 92557 | AFLAC | $134 | — | $134 | 0.75% |
| MICHAEL S NOLAN3 Filed as: MICHAEL S. NOLAN | 2551 GALENA AVE. UNIT 1776 SIMI VALLEY, CA 93062 | AFLAC | $126 | — | $126 | 0.70% |
| BRUCE QUARANTELLO3 | 3600 N. OCEAN DR. APT. 325 RIVIERA BEACH, FL 33404 | AFLAC | $98 | — | $98 | 0.55% |
| GENA G QUARANTELLO3 Filed as: GENA G. QUARANTELLO | 12962 E. VISTAPARK DR. MOORPARK, CA 93021 | AFLAC | $83 | — | $83 | 0.46% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: D. BREDESON INSURANCE SERVICES INC. | 19043 META RD. CORNELIUS, NC 28031 | AFLAC | $59 | — | $59 | 0.33% |
| AMY SLOKAN3 Filed as: AMY LEE SLOKAN | 2405 WILLOWBEND DR. SAINT AUGUSTINE, FL 32092 | AFLAC | $46 | — | $46 | 0.26% |
| KATHLEEN S HANSON3 Filed as: KATHLEEN S. HANSON | 5460 E. EL PARQUE ST. LONG BEACH, CA 90815 | AFLAC | $41 | — | $41 | 0.23% |
| DERREK LYN KECK3 | 18080 DAMIAN WAY SALINAS, CA 93907 | AFLAC | $38 | — | $38 | 0.21% |
| JACOB BURNS INC.3 | 2905 MAGNOLIA AVE. LONG BEACH, CA 90806 | AFLAC | $22 | — | $22 | 0.12% |
| FALCE BENEFITS GROUP INC.3 | 191 CYPRESS LN WATSONVILLE, CA 95076 | AFLAC | $18 | — | $18 | 0.10% |
| GUY M. WELCH3 | 5414 MERCEDES AVE. DALLAS, TX 75206 | AFLAC | $13 | — | $13 | 0.07% |
| ERNESTO T GONZALEZ3 Filed as: ERNESTO T. GONZALEZ | 10653 W. LEILANI DR. BOISE, ID 83709 | AFLAC | $13 | — | $13 | 0.07% |
| MAYNARD M. YOUNG3 | 20 HOBBS RD. EFFINGHAM, NH 03882 | AFLAC | $11 | — | $11 | 0.06% |
| VICKI L. WEAVER3 | 356 RESERVATION RD. SPC 96 MARINA, CA 93933 | AFLAC | $10 | — | $10 | 0.06% |
| KYLE FALCE3 | 90 GREAT OAKS BLVD. SUITE 103 SAN JOSE, CA 95119 | AFLAC | $9 | — | $9 | 0.05% |
| HORACE R WEAVER III3 Filed as: HORACE R. WEAVER III | 2512 GARDEN ST. MERAUX, LA 70075 | AFLAC | $6 | — | $6 | 0.03% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA ST. SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $6 | — | $6 | 0.03% |
| SIERRA N KIRSHY3 Filed as: SIERRA N. KIRSHY | 348 DIAMOND OAKS RD. ROSEVILLE, CA 95678 | AFLAC | $6 | — | $6 | 0.03% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 1400 SUN COPPER DR. LAS VEGAS, NV 89117 | AFLAC | $3 | — | $3 | 0.02% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | AFLAC | $2 | — | $2 | 0.01% |
| CHARLES D. BLOCK3 Filed as: CHARLES B. CAREY | 16215 LYLE ST. SAN LEANDRO, CA 94578 | AFLAC | $2 | — | $2 | 0.01% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.00% |
| IMA, INC.3 | 430 E. DOUGLAS STREET SUITE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | — | $399 | $399 | 2.46% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 127 | $1.3M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 84 | $87K |
| Vision | KAISER FOUNDATION HEALTH PLAN, INC. | 127 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 115 | $34K |
| Short-term disability | AFLAC | 14 | $18K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 115 | $16K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 127 | $1.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 115 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.