| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | $63K | $8K | $70K | 5.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $4K | $9K | $13K | 0.94% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.07% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $16K | $0 | $16K | 1.60% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $242K | $15K | $257K | 210.45% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.02% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.43% |
| USI INSURANCE SERVICES LLC3 | 7535 IRVINE CENTER DRIVE SUITE 250 IRVINE, CA 92618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$692 | $0 | -$692 | -1.76% |
| BURNHAM BENEFITS INSURANCE SERVICES4 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | PRE PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $4K | $0 | $4K | 12.00% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | $0 | $2K | 6.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $5K | $5K | 20.00% |
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 | 1,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 2,391 | $1.5M |
| Vision | BLUE CROSS OF CALIFORNIA | 2,391 | $122K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,345 | $1.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,345 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,345 | $1.4M |
| Prescription drug(3 contracts, 3 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 2,391 | $1.5M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 2,391 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,391 | — |
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.