The Whole Child
Updated Filing received by DOL
The Whole Child, a healthcare & social assistance employer in Whittier, California, reported 166 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 4 insurance contracts with no premium reported and $95,762 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on November 24, 2025, before the deadline.
Who was paid on The Whole Child'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 Whole Child filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| IMA Financial · Denver, CO | $41,660 | $2,098 | $43,758 | 4 |
| Bolton Insurance Services LLC · Pasadena, CA | $21,628 | $0 | $21,628 | 1 |
| Word & Brown Insurance Admin. Inc. · Orange, CA | $0 | $19,689 | $19,689 | 1 |
| Enrollease · San Francisco, CA | $6,700 | $0 | $6,700 | 1 |
| Cynthia Luquin · Glendora, CA | $1,697 | $128 | $1,825 | 1 |
| Warner Pacific Insurance Services · Westlake Village, CA | $566 | $0 | $566 | 1 |
| Kimberly Kwok · Glendora, CA | $419 | $53 | $472 | 1 |
| DMJ Insurance Services Inc. · Camarillo, CA | $312 | $0 | $312 | 1 |
| Bradley Witt · Camarillo, CA | $105 | $33 | $138 | 1 |
| Arlice Marshall · Moreno Valley, CA | $135 | $0 | $135 | 1 |
| David Reesor · Upland, CA | $71 | $0 | $71 | 1 |
| Toan Huu Pham · Santa Ana, CA | $63 | $0 | $63 | 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 |
|---|---|---|---|---|
| Blue Cross of Californiahealth, prescription drug, HMO, PPO | 177 | — | $69,115 | — |
| Kaiser Foundation Health Plan Inc.health, prescription drug, HMO | 3 | — | $2,012 | — |
| The Guardian Life Insurance Company of Americadental, vision, life, long-term disability, HMO, PPO | 191 | — | $20,730 | — |
| Aflaclife, short-term disability | 27 | — | $3,905 | — |
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 Whole Child 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 | 154 | 166 | +7.8% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $94,084 | $95,762 | +1.8% |
| 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 Whole Child Health and Welfare Benefits Plan#501 · insurance, general assets | June 30, 2025 | November 24, 2025 | before deadline | 166 |
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 Whole Child pay in health insurance broker commissions in 2024?
The Whole Child's 2024 Form 5500 reports $95,762 in broker commissions and fees across 4 insurance contracts ($73,761 in commissions, $22,001 in fees), with IMA Financial receiving the largest share.
Is The Whole Child'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 Blue Cross of California, Kaiser Foundation Health Plan Inc..
How does The Whole Child's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for The Whole Child 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.
Send the full findings to your inbox.
A specialist writes up every finding for The Whole Child with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.