| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | CALIFORNIA PHYSICIANS' SERVICE | — | $20K | $20K | 0.07% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. SUITE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $40K | $40K | 4.62% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $25K | $25K | 2.88% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.07% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.05% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.14% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.25% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E. DOUGLAS AVENUE SUITE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $366 | — | $366 | 0.50% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.44% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E. DOUGLAS AVENUE SUITE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $370 | — | $370 | 0.85% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | METLIFE LEGAL PLANS | $4K | — | $4K | 12.47% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $417 | $417 | 1.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | HEALTH AND HUMAN RESOURCE CENTER | $3K | — | $3K | 13.54% |
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 | 1,044 | 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) | 1,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 1,914 | $27.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 212 | $867K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 212 | $867K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,041 | $328K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,040 | $149K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 1,914 | $27.4M |
| Other(7 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,041 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,914 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.