| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DR. STE 1200 IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | $322K | — | $322K | 5.34% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR. IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 0.23% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE. SUITE 1200 IRVINE, CA 92612 | GUARDIAN | $56K | $20K | $76K | 13.54% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR. STE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 4.98% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.39% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE. SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $22 | $16K | 9.54% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $806 | $2K | $3K | 1.79% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $322 | $322 | 0.19% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE. SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $115 | $12K | 9.41% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $879 | $1K | $2K | 1.60% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $352 | $352 | 0.27% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE. SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $131 | $7K | 9.72% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $323 | $275 | $598 | 0.89% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $129 | $129 | 0.19% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR. SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.56% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $207 | $211 | $418 | 0.89% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $83 | $83 | 0.18% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR. SUITE 1200 IRVINE, CA 92612 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $702 | $17 | $719 | 9.45% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $58 | $55 | $113 | 1.49% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $12 | $12 | 0.16% |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 814 | $6.3M |
| Dental | GUARDIAN | 342 | $564K |
| Vision | GUARDIAN | 342 | $564K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 694 | $172K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 387 | $75K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 387 | $129K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 39 | $271K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 694 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.