| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PONTRELLI, TIMOUR AND ASSOCIATES3 Filed as: PONTRELLI TIMOUR & ASSOCIATES INC. | 1039 HOPE STREET SOUTH PASADENA, CA 910302510 | UNITEDHEALTHCARE INSURANCE COMPANY | $88K | — | $88K | 3.78% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 911076024 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 1.22% |
| PONTRELLI, TIMOUR AND ASSOCIATES3 Filed as: PONTRELLI TIMOUR & ASSOCIATES INC. | 1039 HOPE STREET SOUTH PASADENA, CA 910302510 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 7.59% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 911076024 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.41% |
| PONTRELLI, TIMOUR AND ASSOCIATES3 Filed as: PONTRELLI TIMOUR & ASSOCIATES INC. | 1039 HOPE STREET SOUTH PASADENA, CA 91030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 9.77% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.12% |
| PONTRELLI, TIMOUR AND ASSOCIATES3 Filed as: PONTRELLI TIMOUR & ASSOCIATES INC. | 1039 HOPE STREET SOUTH PASADENA, CA 910302510 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 7.58% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 911076024 | UNITEDHEALTHCARE INSURANCE COMPANY | $649 | — | $649 | 2.42% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $192K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $27K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $153K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $153K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $153K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $2.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.