| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INSURANCE | 1100 LARKSPUR LANDING CIR STE 180 LARKSPUR, CA 949391813 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 16.26% |
| RUSSELL J CARPENTIERI3 | 2500 WESTCHESTER AVENUE STE 401 C/O OPUS ADVISORY GROUP PURCHASE, NY 10577 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 10.67% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 100053500 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 4.67% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 1100 LARKSPUR LANDING CIR STE 180 LARKSPUR, CA 949391813 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.65% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL CARPENTIERI | 2500 WESTCHESTER AVENUE STE 401 C/O OPUS ADVISORY GROUP PURCHASE, NY 10577 | METROPOLITAN LIFE INSURANCE COMPANY | $809 | — | $809 | 0.40% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 926120304 | METROPOLITAN LIFE INSURANCE COMPANY | — | $499 | $499 | 0.25% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC LLC FINANCIAL SQUARE | 32 OLD SLIP NEWYORK, NY 10005 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.44% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2220 DOUGLAS BLVD SUITE 170 ROSEVILLE, CA 95661 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.07% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL CARPENTIERI | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10644 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $657 | — | $657 | 0.79% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $116 | $116 | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST 7TH FL CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $118 | $2K | 7.52% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE, INC. | 575 MARKET ST. STE 3600 SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.72% |
| CHRISTOPHER THOMAS SMITH3 | P.O. BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $105 | $1K | 4.62% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 348 | $298K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $202K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $202K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 308 | $83K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 308 | $83K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 308 | $83K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 308 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.