| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $302K | — | $302K | 3.87% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFIT INSURANCE SERVICES | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY | $66K | $10K | $76K | 11.98% |
| MJ INSURANCE3 Filed as: BRIAN JAEGGI AND VARIOUS AGENTS | 5700 CHICOPEE AVENUE ENCINO, CA 91316 | AFLAC | $18K | $1K | $20K | 7.18% |
| NANETTE STARK3 | 5805 SEPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $16K | $840 | $17K | 6.06% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AFLAC | $7K | $39 | $7K | 2.45% |
| MAX-JOSEPH H MONTEL3 Filed as: MAX-JOSEPH MONTEL | 94834 WILCOX AVENUE LOS ANGELES, CA 90038 | AFLAC | $4K | $335 | $5K | 1.69% |
| LEAVITT GROUP3 Filed as: LEAVITT INSURANCE SERVICES | 21650 OXNARD STREET, SUITE 1825 WOODLAND HILLS, CA 91367 | AFLAC | $4K | — | $4K | 1.48% |
| STEPHEN M STROCKER3 Filed as: STEPHEN STROCKER | 19635 VALDEZ DRIVE TARZANA, CA 91356 | AFLAC | $4K | $112 | $4K | 1.45% |
| SPALDING GROUP ENTERPRISES3 | 4297 KLUMP AVENUE STUDIO CITY, CA 91602 | AFLAC | $3K | $335 | $3K | 1.15% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | VISION SERVICE PLAN | $8K | — | $8K | 6.98% |
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 | 1,100 | 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) | 1,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 1,415 | $7.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 790 | $636K |
| Vision | VISION SERVICE PLAN | 694 | $108K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 1,415 | $7.8M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 790 | $636K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 790 | $636K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,415 | $7.8M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,415 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,415 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.