| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91102 | AETNA LIFE INSURANCE CO. | $0 | $110 | $110 | 0.00% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91102 | KAISER FOUNDATION HEALTH PLAN, INC. | $0 | $559 | $559 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $0 | $16K | $16K | 2.58% |
| IMA, INC.3 | 430 EAST DOUGLAS, SUITE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | $0 | $15K | $15K | 2.43% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 14.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.49% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $389 | $389 | 0.33% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91102 | UNUM INSURANCE COMPANY | $12K | $0 | $12K | 16.41% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 1.92% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 91102 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $0 | $3K | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES, LLC | PO BOX 6030 PASADENA, CA 91102 | METROPOLITAN GENERAL INSURANCE COMPANY | $950 | $0 | $950 | 2.48% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS | 14715 NE 95TH, SUITE 200 REMOND, WA 98052 | COMBINED INSURANCE COMPANY | $6K | $0 | $6K | 23.00% |
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 | 1,676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 1,574 | $17.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 376 | $60K |
| Vision | VISION SERVICE PLAN | 1,111 | $189K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,632 | $633K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,632 | $605K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,632 | $605K |
| Prescription drug(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 1,574 | $17.4M |
| Other(6 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 1,676 | $914K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,676 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.