| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $74K | $0 | $74K | 15.61% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, WA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 8.27% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 416 WEST 13TH STREET, SUITE 302 NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 1.73% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, WA 60450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $576 | $576 | 0.43% |
| BURNHAM BENEFITS INSURANCE SERVICES4 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 14.94% |
| CASSANDA PRINKE4 | 25825 NORTH MOON BLOSSUM LANE PHOENIX, MA 85083 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $541 | $0 | $541 | 7.48% |
| SHARON OKONIEWSKI4 | 1 OAKWOOD DRIVE PETALUMA, CA 94954 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $431 | $0 | $431 | 5.96% |
| RSC INSURANCE BROKERAGE INC4 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 01982 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $62 | $0 | $62 | 0.86% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $472K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $472K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $472K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 146 | $133K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 146 | $133K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 146 | $133K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $472K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $613K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.