| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR SUITE 1200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $43K | — | $43K | 0.25% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | $6K | $26K | 1.56% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.24% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.31% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.15% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR SUITE 1200 IRVINE, CA 92612 | UNITED HEALTHCARE INSURANCE COMPANY | $390 | — | $390 | 0.63% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $710 | — | $710 | 2.00% |
| DON WIENING3 | 44 LILCHESTER ROAD HOPATCONG, NJ 07843 | FOUR EVER LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 1,825 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 2,888 | $18.8M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 9 | $62K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 9 | $62K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,839 | $428K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,835 | $181K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 2,888 | $18.7M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,839 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,888 | — |
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."
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.