| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $97K | — | $97K | 2.29% |
| LAKE FOREST INSURANCE INC.3 | 23052 ALICIA PARKWAY, # H423 MISSION VIEJO, CA 92692 | AETNA LIFE INSURANCE COMPANY | $42K | — | $42K | 0.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA, INC. | 100585 BANC ONE DEPT 100485 PASADENA, CA 91189 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 0.29% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AETNA HEALTH, INC. | $31K | $19K | $50K | 3.80% |
| LAKE FOREST INSURANCE INC.3 | 23052 ALICIA PARKWAY, # H423 MISSION VIEJO, CA 92692 | AETNA HEALTH, INC. | $13K | — | $13K | 1.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA, INC. | 100585 BANC ONE DEPT 100485 PASADENA, CA 91189 | AETNA HEALTH, INC. | $4K | — | $4K | 0.28% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $8K | $51K | 6.91% |
| LAKE FOREST INSURANCE INC.3 | 23052 ALICIA PARKWAY, # H423 MISSION VIEJO, CA 92692 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA, INC. | 100585 BANC ONE DEPT 100485 PASADENA, CA 91189 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.63% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | VISION SERVICE PLAN | $1K | — | $1K | 2.32% |
| LAKE FOREST INSURANCE INC.3 | 23052 ALICIA PARKWAY, # H423 MISSION VIEJO, CA 92692 | VISION SERVICE PLAN | $608 | — | $608 | 1.00% |
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 | 722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 736 | $5.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 766 | $733K |
| Vision | VISION SERVICE PLAN | 568 | $61K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 766 | $733K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 766 | $733K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 766 | $733K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 736 | $5.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 766 | $733K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.