| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $86K | $13K | $99K | 12.28% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16K | $16K | 3.51% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | $7K | $43K | 12.81% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 18.35% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 12.32% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 18.29% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 18.34% |
| BURNHAM BENEFITS INSURANCE SERVICES4 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $6K | — | $6K | 16.76% |
| D'ANN DABELL4 | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $836 | — | $836 | 2.46% |
| TODAY'S THE DAY LLC4 Filed as: TODAY'S THE DAY DBA NATALIE GUTIERR | 7312 SEAWALL BLVD APT 209 GALVESTON, TX 77551 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $57 | — | $57 | 0.17% |
| YANCY L WATTS4 | 388 LEISURE VALLEY RD WEST, TX 76691 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $40 | — | $40 | 0.12% |
| MS BENEFITS TEAM4 | 7734 MORLEY ROAD MENTOR, OH 44060 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $38 | — | $38 | 0.11% |
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 | 2,304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,884 | $805K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,928 | $459K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,088 | $336K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,812 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,884 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.