| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AETNA HEALTH, INC. | $28K | — | $28K | 3.02% |
| S&K FINANCIAL AND INSURANCE SERVICE3 | 734 SILVER SPUR ROAD ROLLING HILLS ESTATE, CA 90274 | AETNA HEALTH, INC. | $16K | — | $16K | 1.70% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 3.98% |
| S&K FINANCIAL AND INSURANCE SERVICE3 | 734 SILVER SPUR ROAD ROLLING HILLS ESTATE, CA 90274 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 2.43% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 3.61% |
| S AND K FINANCIAL AND INSURANCE SVC3 Filed as: S & K FINANCIAL AND INSURANCE SVC. | 545 S. FIGUEROA ST. SUITE 1110 LOS ANGELES, CA 900711704 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 1.70% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.25% |
| S&K FINANCIAL AND INSURANCE SERVICE3 | 545 S. FIGUEROA ST. SUITE 1110 LOS ANGELES, CA 90012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.65% |
| IMA, INC.3 | 1705 17TH ST. SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $489 | $489 | 1.20% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 228 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 228 | $408K |
| Vision | AETNA LIFE INSURANCE CO. | 228 | $408K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $41K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $41K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 228 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.