| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN, INC. | $289K | — | $289K | 3.49% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $81K | $36K | $117K | 16.83% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM INSURANCE COMPANY | $43K | $4K | $47K | 16.55% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $17K | 6.09% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $17K | 16.55% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM INSURANCE COMPANY | $7K | $692 | $7K | 16.54% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM INSURANCE COMPANY | $5K | $590 | $5K | 16.92% |
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 | 1,079 | 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) | 1,079 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,160 | $8.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $693K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $693K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,266 | $384K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,266 | $279K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,266 | $279K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 1,160 | $8.3M |
| Other(4 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 1,266 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,266 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.