| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 3475 EAST FOOTHILL BOULEVARD PASADENA, CA 91107 | AETNA HEALTH, INC. | $31K | — | $31K | 2.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 EAST FOOTHILL BOULEVARD PASADENA, CA 91107 | AETNA HEALTH, INC. | $21K | — | $21K | 1.60% |
| IMA, INC.3 | 3475 EAST FOOTHILL BOULEVARD PASADENA, CA 91107 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 3.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 EAST FOOTHILL BOULEVARD PASADENA, CA 91107 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 2.57% |
| GENERAL INS SERVICES INC3 Filed as: GENERAL INS SVCS INC | 421 FRANKLIN STREET MICHIGAN CITY, IN 46360 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 9405 BORMET DRIVE SUITE 3 MOKENA, IL 60448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| IMA, INC.3 | 3475 EAST FOOTHILL BOULEVARD SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.74% |
| GENERAL INS SERVICES INC3 Filed as: GENERAL INS SVCS INC | 421 FRANKLIN STREET MICHIGAN CITY, IN 46360 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 9405 BORMET DRIVE SUITE 3 MOKENA, IL 60448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| GENERAL INS SERVICES INC3 Filed as: GENERAL INS SVCS INC | 421 FRANKLIN STREET MICHIGAN CITY, IN 46360 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 9405 BORMET DRIVE SUITE 3 MOKENA, IL 60448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $795 | $795 | 3.00% |
| IMA, INC.3 | 3475 EAST FOOTHILL BOULEVARD PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $946 | $3K | 20.87% |
| IMA, INC.3 | 3475 EAST FOOTHILL BOULEVARD SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $709 | $3K | 20.87% |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 271 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 271 | $252K |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 271 | $252K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $125K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $52K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.