| 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 | $307K | $26K | $333K | 4.32% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $65K | $17K | $82K | 13.20% |
| MJ INSURANCE3 Filed as: MAX MONTEL AND VARIOUS AGENTS | 948 WILCOX AVENUE, UNIT 34 LOS ANGELES, CA 90038 | AFLAC | $13K | $1K | $15K | 6.40% |
| NANETTE STARK3 | 5805 SEPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $10K | $630 | $10K | 4.48% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHESLON DRIVE, SUITE 1200 IRVINE, CA 92612 | AFLAC | $4K | $0 | $4K | 1.65% |
| LEAVITT GROUP3 Filed as: LEAVITT INS. SVCS. OF LOS ANGELES | 21820 BURBANK BOULEVARD, SUITE 300 WOODLAND HILLS, CA 91367 | AFLAC | $3K | $0 | $3K | 1.20% |
| ALLAN PROCEL3 | 5863 LEVI LANE VAN NUYS, CA 91401 | AFLAC | $2K | $175 | $2K | 0.96% |
| SPALDING GROUP ENTERPRISES3 | 4297 KLUMP AVENUE STUDIO CITY, CA 91602 | AFLAC | $2K | $0 | $2K | 0.87% |
| STEPHANIE ROBINSON3 | 5805 SEPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $2K | $8 | $2K | 0.85% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS. SVCS. | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | VISION SERVICE PLAN | $10K | $0 | $10K | 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 | 1,052 | 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) | 1,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 1,351 | $7.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 753 | $618K |
| Vision | VISION SERVICE PLAN | 691 | $104K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 1,351 | $7.7M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 753 | $851K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 753 | $618K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,351 | $7.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,351 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,351 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.