| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 3.66% |
| RYAN KRONER3 Filed as: RYAN LEE KRONER | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 N BRAND BLVD STE 100 GLENDALE, CA 91203 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.46% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $983 | $8K | 8.01% |
| RYAN KRONER3 | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 N BRAND BLVD STE 100 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $793 | $63 | $856 | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $151 | $151 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVE APT 1400 BRIMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $63 | $6K | 68.08% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS NS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92312 | METROPOLITAN LIFE INSURANCE COMPANY | $185 | — | $185 | 2.06% |
| RYAN KRONER3 | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $135 | — | $135 | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $122 | $122 | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLTAN LIFE INSURANCE COMPANY | $4K | $63 | $4K | 67.04% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | METROPOLTAN LIFE INSURANCE COMPANY | $161 | — | $161 | 2.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLTAN LIFE INSURANCE COMPANY | — | $83 | $83 | 1.33% |
| RYAN KRONER3 | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | METROPOLTAN LIFE INSURANCE COMPANY | $73 | — | $73 | 1.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $63 | $4K | 68.39% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $147 | — | $147 | 2.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $84 | $84 | 1.35% |
| RYAN KRONER3 | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $63 | — | $63 | 1.01% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | SAFEGUAR HEALTH PLANS INC | $400 | $65 | $465 | 7.81% |
| RYAN KRONER3 | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | SAFEGUAR HEALTH PLANS INC | $91 | — | $91 | 1.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 N BRAND BLVD STE 100 GLENDALE, CA 91203 | SAFEGUAR HEALTH PLANS INC | $58 | — | $58 | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, CA 60006 | SAFEGUAR HEALTH PLANS INC | — | $12 | $12 | 0.20% |
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 | 296 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $743K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $100K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $94K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $94K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.