| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $332K | $42K | $374K | 11.26% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $158K | — | $158K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $83K | — | $83K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $58K | — | $58K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| MARK MCDONALD4 Filed as: MARK D MCDONALD | 1685 ORO VISTA RD APT 173 SAN DIEGO, CA 92154 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $10K | — | $10K | 11.87% |
| BURNHAM BENEFITS INSURANCE SERVICES4 Filed as: BURNHAM BENEFIT ADVISORS SERVICES | 2211 MICHELSON DR IRVINE, CA 92612 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 1.95% |
| WOODRUFF-SAWYER & CO4 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA ST FL 12 SAN FRANCISCO, CA 94111 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 1.27% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $211 | — | $211 | 0.24% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $99 | — | $99 | 0.11% |
| STEVE BAKER4 | 153 ESTHER DR COCOA BEACH, FL 32391 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $93 | — | $93 | 0.11% |
| SEAGE, LLC4 Filed as: SEAGE LLC | 1613 S GEORGIA AVE TAMPA, FL 33629 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $71 | — | $71 | 0.08% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 13.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | — | $4K | $4K | 20.00% |
| BURNHMAN WGB INSURANCE SOLUTIONS3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 82612 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER CO | 50 CALIFORNIA ST 12TH FLOOR SAN FRANCISCO, CA 94111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $270 | $3K | 20.74% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE STE 1200 IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 1.04% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER CO | PO BOX 609 SANTA BARBARA, CA 93102 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $2K | — | $2K | 14.34% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE STE 1200 IRVINE, CA 92612 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $835 | $249 | $1K | 7.35% |
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 | 2,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,826 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,201 | $3.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,201 | $3.3M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,198 | $822K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,198 | $1.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,198 | $387K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 4,826 | $2.7M |
| Other(9 contracts, 7 carriers) | MODERN HEALTH ARIZONA P.L.L.C. | 3,455 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,826 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.