| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | CALIFORNIA PHYSICIANS' SERVICE | — | $73K | $73K | 5.26% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | CALIFORNIA PHYSICIANS' SERVICE | — | $52 | $52 | 0.00% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $172 | $8K | 10.56% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AFLAC | $4K | — | $4K | 7.82% |
| PATRICK ALVIN HOLLOWAY3 | 3006 S. VERMONT AVE. PMB 324 LOS ANGELES, CA 90007 | AFLAC | $3K | — | $3K | 5.81% |
| PATRICIA GAIL LEES3 | 1124 CHURCHS CT BURBANK, CA 91501 | AFLAC | $3K | $11 | $3K | 5.32% |
| RHOEL T VALDEZ3 Filed as: RHOEL T. VALDEZ | 20016 BLYTHE ST. WINNETKA, CA 91306 | AFLAC | $963 | — | $963 | 1.99% |
| DOLORES M. ROMERO3 | 2529 BRENTMOOR CT SUWANEE, GA 30024 | AFLAC | $127 | — | $127 | 0.26% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1620 S. DITMAR ST. OCEANSIDE, CA 92054 | AFLAC | $119 | — | $119 | 0.25% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 43 MILL TOWN LOOP SUITE C BOZEMAN, MT 59718 | AFLAC | $60 | — | $60 | 0.12% |
| DAVID J REESOR3 Filed as: DAVID J. REESOR | 1615 WILSON AVE. UPLAND, CA 91784 | AFLAC | $60 | — | $60 | 0.12% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS SVCS LLC | 2010 MAIN ST. SUITE 700 IRVINE, CA 92614 | AFLAC | $33 | — | $33 | 0.07% |
| CARLOS F ENRIQUEZ3 Filed as: CARLOS F. ENRIQUEZ | 6167 BRISTOL PKWY SUITE 106 CULVER CITY, CA 90230 | AFLAC | $26 | — | $26 | 0.05% |
| TAYLOR POWELL3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | LANDMARK HEALTHPLAN | $2K | — | $2K | 10.00% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 189 | $1.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $73K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $121K |
| Short-term disability | AFLAC | 51 | $48K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $73K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 189 | $1.4M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.