| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER CONCEPTS INS. SERVICES3 | 2505 EASTVIEW DRIVE CASTLE ROCK, CO 80104 | KAISER FOUNDATION HEALTH PLAN INC. | $111K | — | $111K | 4.16% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | $44 | $21K | 0.80% |
| EMPLOYER CONCEPTS INS. SERVICES3 | 2505 EASTVIEW DRIVE CASTLE ROCK, CO 80104 | KAISER FOUNDATION HEALTH PLAN INC. | $77K | — | $77K | 3.45% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | $54 | $14K | 0.64% |
| EMPLOYER CONCEPTS INS. SERVICES3 | 18022 COWAN, SUITE 225 IRVINE, CA 92623 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $18K | — | $18K | 4.16% |
| DENNIS M. SULLIVAN3 | 703 PALOMAR AIRPORT RD., SUITE 330 CARLSBAD, CA 92011 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $15K | — | $15K | 3.45% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $11K | — | $11K | 2.52% |
| EMPLOYER CONCEPTS INS. SERVICES3 | P.O. BOX 15750 IRVINE, CA 92623 | AMERITAS LIFE INSURANCE CORP. | $14K | — | $14K | 6.16% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 3.84% |
| EMPLOYER CONCEPTS INS. SERVICES3 | P.O. BOX 15750 IRVINE, CA 92623 | AMERITAS LIFE INSURANCE CORP. | $13K | — | $13K | 7.38% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 2.62% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE AND ACCIDENT P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $7K | $29K | 27.91% |
| EMPLOYER CONCEPTS INS. SERVICES3 | P.O. BOX 15750 IRVINE, CA 92623 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.40% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNION SECURITY INSURANCE COMPANY | $234 | — | $234 | 1.44% |
| EMPLOYER CONCEPTS INS. SERVICES3 | P.O. BOX 15750 IRVINE, CA 92623 | UNION SECURITY INSURANCE COMPANY | $209 | — | $209 | 1.28% |
| EMPLOYER CONCEPTS INS. SERVICES3 Filed as: EMPLOYER CONCEPTS INS. SERVICES. | P.O. BOX 15750 IRVINE, CA 92623 | VISION SERVICE PLAN (HEALTHSMART) | $343 | $180 | $523 | 5.45% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | VISION SERVICE PLAN (HEALTHSMART) | $455 | — | $455 | 4.74% |
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 | 1,061 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 586 | $5.4M |
| Dental(4 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 428 | $482K |
| Vision(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 428 | $419K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $102K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $102K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 586 | $5.4M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.