| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH ST. SUITE 100 DENVER, CO 80202 | BLUE CROSS OF CALIFORNIA | $62K | $5K | $66K | 3.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA | $31K | — | $31K | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | BLUE CROSS OF CALIFORNIA | $7 | — | $7 | 0.00% |
| IMA, INC.3 | PO BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN, INC. | $28K | $108 | $28K | 2.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST FLOOR 24TH SAN FRANCISCO, CA 941042102 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | $4 | $21K | 1.84% |
| IMA, INC.3 | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 14.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR CT SUITE 750 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.45% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 17.34% |
| IMA, INC.3 | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 14.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR CT SUITE 750 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.48% |
| IMA, INC.3 | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 15.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR CT SUITE 750 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.26% |
| IMA, INC.3 | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $849 | $2K | 15.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR CT SUITE 750 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $998 | — | $998 | 7.00% |
| IMA, INC.3 | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $760 | $2K | 15.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR CT SUITE 750 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $934 | — | $934 | 7.06% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 335 | $2.9M |
| Dental | BLUE CROSS OF CALIFORNIA | 335 | $1.8M |
| Vision | BLUE CROSS OF CALIFORNIA | 335 | $1.8M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $30K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 335 | $2.9M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.