| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN KRONER3 Filed as: RYAN LEE KRONER | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 5.00% |
| RYAN KRONER Filed as: RYAN LEE KRONER | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.34% |
| AMWINS3 Filed as: LISI LLC DBA CONNECT INSURANCE SERV | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $190 | $5K | 4.65% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $105 | $2K | $2K | 2.08% |
| RYAN KRONER3 | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 27.82% |
| AMWINS3 Filed as: LISI LLC DBA CONNECT INSURANCE SER | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $521 | $26 | $547 | 5.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $27 | $8 | $35 | 0.35% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | -$84 | $12 | -$72 | -0.72% |
| RYAN KRONER3 | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 33.96% |
| AMWINS3 Filed as: LISI LLC DBA CONNECT INSURANCE SERV | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $507 | $26 | $533 | 5.53% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $20 | $17 | $37 | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $26 | $26 | 0.27% |
| RYAN KRONER3 Filed as: RYAN LEE KRONER | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | SAFEGUARD HEALTH PLANS, INC, A CALIFORNIA CORPORATION | $646 | — | $646 | 9.20% |
| AMWINS3 Filed as: LISI LLC DBA CONNECT INSURANCE SERV | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | SAFEGUARD HEALTH PLANS, INC, A CALIFORNIA CORPORATION | $295 | $16 | $311 | 4.43% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | SAFEGUARD HEALTH PLANS, INC, A CALIFORNIA CORPORATION | $25 | $124 | $149 | 2.12% |
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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $890K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $108K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $101K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $101K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.