| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNS EMPLOYEE BENEFITS INS SVC3 Filed as: BURNS EMPLOYEE BENEFITS INS, SEC, | 5653 MAXWELTON ROAD OAKLAND, CA 94618 | CALIFORNIA PHYSICIANS SERVICE | $423K | — | $423K | 4.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMINS., INC | 701 S. PARKER ST, 8TH FL ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | $423K | — | $423K | 4.61% |
| BURNS EMPLOYEE BENEFITS INS SVC3 Filed as: BURNS EMPLOYEE BENEFITS INS. SVC | 5653 MAXWELTON ROAD OAKLAND, CA 94618 | KAISER FOUNDATION HEALTH PLAN, INC. | $46K | — | $46K | 2.99% |
| BURNS EMPLOYEE BENEFITS INS SVC3 Filed as: BURNS EMPLOYEE BENEFITS INS. SVC. | 5653 MAXWELTON ROAD OAKLAND, CA 94618 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | — | $27K | 2.98% |
| BURNS EMPLOYEE BENEFITS INS SVC3 Filed as: BURNS EMPLOYEE BENEFITS INS. SVC. | 5653 MAXWELTON ROAD OAKLAND, CA 94618 | VISION SERVICE PLAN | $4K | — | $4K | 1.98% |
| BURNS EMPLOYEE BENEFITS INS SVC3 Filed as: BURNS EMPLOYEE BENEFITS INS. SVC. | 5653 MAXWELTON ROAD OAKLAND, CA 94618 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| BURNS EMPLOYEE BENEFITS INS SVC3 Filed as: BURNS EMPLOYEE BENEFITS INS. SVC. | 5653 MAXWELTON ROAD OAKLAND, CA 94618 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| BURNS EMPLOYEE BENEFITS INS SVC3 Filed as: BURNS EMPLOYEE BENEFITS INS. SCV. | 5653 MAXWELTON ROAD OAKLAND, CA 94618 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| BURNS EMPLOYEE BENEFITS INS SVC3 Filed as: BURNS EMPLOYEE BENEFITS INS. SVC. | 5653 MAXWELTON ROAD OAKLAND, CA 94618 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BURNS EMPLOYEE BENEFITS INS SVC3 Filed as: BURNS EMPLOYEE BENEFITS INS. SVC. | 5653 MAXWELTON ROAD OAKLAND, CA 94618 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BURNS EMPLOYEE BENEFITS INS SVC3 Filed as: BURNS EMPLOYEE BENEFITS INS. SVC. | 5653 MAXWELTON ROAD OAKLAND, CA 94618 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 965 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,446 | $10.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 946 | $905K |
| Vision | VISION SERVICE PLAN | 955 | $215K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 965 | $161K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 965 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 965 | $117K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,446 | $10.7M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 965 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,446 | — |
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.