| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | CALIFORNIA PHYSICIANS' SERVICE | $6K | $27K | $33K | 2.44% |
| DIMARIA, DAVID J3 Filed as: DIMARIA, DAVID J. | 130 N. BRAND BLVD. SUITE 310 GLENDALE, CA 91203 | CALIFORNIA PHYSICIANS' SERVICE | $27K | $1K | $28K | 2.08% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | CALIFORNIA PHYSICIANS' SERVICE | $3K | $12K | $15K | 1.13% |
| IMA, INC.3 | 1550 17TH ST. SUITE 600 DENVER, CO 80202 | CALIFORNIA PHYSICIANS' SERVICE | $3K | $12K | $15K | 1.10% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | GUARDIAN | $12K | $6K | $18K | 20.94% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN | $1K | — | $1K | 1.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $577 | — | $577 | 7.60% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $282 | — | $282 | 3.71% |
| IMA, INC.3 | 1550 17TH ST. SUITE 600 DENVER, CO 80202 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $280 | — | $280 | 3.69% |
| DIMARIA, DAVID J3 Filed as: DIMARIA, DAVID J. | 130 N. BRAND BLVD. SUITE 310 GLENDALE, CA 91203 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $152 | — | $152 | 2.00% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 185 | $1.4M |
| Dental(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 185 | $1.4M |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 185 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 134 | $92K |
| Long-term disability | GUARDIAN | 99 | $84K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 185 | $1.4M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 134 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.