| 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 | $262K | $13K | $275K | 10.49% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $204K | $0 | $204K | 14.95% |
| MARK MCDONALD4 | 1365 SEACOAST DRIVE IMPERIAL BEACH, CA 91932 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $11K | $0 | $11K | 18.81% |
| BURNHAM BENEFITS INSURANCE SERVICES4 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $1K | $0 | $1K | 2.02% |
| WOODRUFF-SAWYER & CO4 Filed as: WOODRUFF SAWYER & CO. | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $960 | $0 | $960 | 1.64% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $560 | $0 | $560 | 0.96% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $386 | $0 | $386 | 0.66% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO. | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 15.76% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | FEDERAL INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | PO BOX 609 SANTA BARBARA, CA 93102 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 19.87% |
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 | 1,945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,971 | $2.6M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,971 | $2.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,949 | $1.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,949 | $1.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,949 | $1.4M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $0 |
| Other(7 contracts, 7 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,525 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,525 | — |
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.