The Garmon Corporation dba Naturvet
Updated Filing received by DOL
The Garmon Corporation dba Naturvet, a retail — general merchandise, sporting goods employer in Temecula, California, reported 133 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 8 insurance contracts with no premium reported and $91,189 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on June 22, 2026, before the deadline.
Who was paid on The Garmon Corporation dba Naturvet's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract The Garmon Corporation dba Naturvet filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| IMA Financial · Pasadena, CA | $68,030 | $5,348 | $73,378 | 8 |
| Jennifer Aurora Ramirez · San Diego, CA | $6,519 | $938 | $7,457 | 1 |
| Warner Pacific Insurance Services · Westlake Village, CA | $2,207 | $0 | $2,207 | 1 |
| Michael F. Fahey Iii · San Clemente, CA | $1,268 | $704 | $1,972 | 1 |
| Eric Alexander Novoa · Chino Hills, CA | $907 | $230 | $1,137 | 1 |
| Luis Perez Benefit Insurance Soluti · Upland, CA | $779 | $195 | $974 | 1 |
| Martha Angelica Hill Estrada · San Diego, CA | $779 | $163 | $942 | 1 |
| Liliana Rivera · Beaumont, CA | $779 | $122 | $901 | 1 |
| Luis Rafael Valle · San Bernardino, CA | $779 | $91 | $870 | 1 |
| Brian Robert Lloyd · El Dorado Hills, CA | $124 | $389 | $513 | 1 |
| JB Creative Solutions LLC · Prosper, TX | $205 | $3 | $208 | 1 |
| Consumer Driven Benefits LLC · Trabuco Canyon, CA | $61 | $131 | $192 | 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 |
|---|---|---|---|---|
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 9 | — | $8,567 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 3 | — | $21,709 | — |
| Anthem Blue Cross Life and Health Insurance Companyhealth, prescription drug, HMO, PPO | 138 | — | $50,619 | — |
| Delta Dental of Californiadental, PPO | 105 | — | $4,073 | — |
| Delta Dental of Californiadental, HMO | 61 | — | $954 | — |
| United of Omaha Life Insurance Companylife | 159 | — | $1,235 | — |
| United of Omaha Life Insurance Companyvision | 105 | — | $1,013 | — |
| United of Omaha Life Insurance Companylife | 59 | — | $3,019 | — |
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 The Garmon Corporation dba Naturvet 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.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 124 | 133 | +7.3% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $95,260 | $91,189 | −4.3% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| The Garmon Corporation dba Naturvet Health and Welfare Benefit Plan#501 · insurance | November 30, 2025 | June 22, 2026 | before deadline | 133 |
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 The Garmon Corporation dba Naturvet pay in health insurance broker commissions in 2024?
The Garmon Corporation dba Naturvet's 2024 Form 5500 reports $91,189 in broker commissions and fees across 8 insurance contracts ($82,804 in commissions, $8,385 in fees), with IMA Financial receiving the largest share.
Is The Garmon Corporation dba Naturvet's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Kaiser Foundation Health Plan, Inc., Anthem Blue Cross Life and Health Insurance Company.
How does The Garmon Corporation dba Naturvet's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for The Garmon Corporation dba Naturvet 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.