| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $5K | $30K | 11.77% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $4K | $27K | 11.78% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | VISION SERVICE PLAN | $5K | — | $5K | 2.30% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 6.97% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $15K | 11.86% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $609 | $4K | 11.82% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | HOLMAN FAMILY COUNSELING, INC. | $3K | — | $3K | 10.00% |
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 | 2,883 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,905 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 108 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,069 | $165K |
| Vision | VISION SERVICE PLAN | 1,472 | $224K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,883 | $254K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 534 | $228K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 627 | $123K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 108 | $1.4M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,079 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,079 | — |
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."
No prospect flags tripped on this filing.