Children's Day School
Updated Filing received by DOL
Children's Day School, a healthcare & social assistance employer in San Francisco, California, reported 100 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 4 insurance contracts with no premium reported and $68,330 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on December 18, 2025, before the deadline.
Who was paid on Children's Day School's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Children's Day School filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| IMA Financial · Pasadena, CA | $52,840 | $556 | $53,396 | 4 |
| Bolton & Company · Pasadena, CA | $11,758 | $84 | $11,842 | 2 |
| Jennifer Aurora Ramirez · San Diego, CA | $1,693 | $472 | $2,165 | 1 |
| Michael F. Fahey Iii · San Clemente, CA | $297 | $81 | $378 | 1 |
| Uziel Rivera · Beaumont, CA | $197 | $0 | $197 | 1 |
| Enrollease · San Francisco, CA | $110 | $0 | $110 | 1 |
| Joey Denessa Escanuelas · San Diego, CA | $91 | $0 | $91 | 1 |
| Eric Alexander Novoa · Chino Hills, CA | $86 | $0 | $86 | 1 |
| JB Creative Solutions LLC · Prosper, TX | $65 | $0 | $65 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| The Guardian Life Insurance Company of Americadental, vision, life, long-term disability | 101 | — | $10,133 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 98 | — | $39,185 | — |
| Unitedhealthcare Insurance Companyhealth, prescription drug, PPO | 7 | — | $13,729 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 30 | — | $5,283 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Children's Day School compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Children's Day School Welfare Plan#501 · insurance, general assets | June 30, 2025 | December 18, 2025 | before deadline | 100 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Children's Day School pay in health insurance broker commissions in 2024?
Children's Day School's 2024 Form 5500 reports $68,330 in broker commissions and fees across 4 insurance contracts ($67,137 in commissions, $1,193 in fees), with IMA Financial receiving the largest share.
Is Children's Day School's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Kaiser Foundation Health Plan, Inc., Unitedhealthcare Insurance Company.
How does Children's Day School's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Children's Day School because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.