| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $42K | $80K | 28.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 430 E. DOUGLAS AVE. SUITE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.30% |
| LILY YAN3 | 3122 DONA MARTA DRIVE STUDIO CITY, CA 91604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.79% |
| RENEE SUZANNE CORSO3 | 2206 N. LAMER STREET BURBANK, CA 91504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $885 | — | $885 | 2.07% |
| IMA, INC.3 | 430 E. DOUGLAS AVE. SUITE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $490 | — | $490 | 1.15% |
| ELVA E. ESCOBAR3 Filed as: ELVA ELISA ESCOBAR | 16242 CALAHAN ST. NORTH HILLS, CA 91343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | — | $135 | 0.32% |
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 | 493 | 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) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $281K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $281K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $281K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $281K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $281K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.