| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | KAISER FOUNDATION HEALTH PLAN INC | $62K | — | $62K | 4.27% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | — | $800 | $800 | 0.06% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | HARTFORD LIFE AND ACCIDENT | $99K | — | $99K | 15.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.35% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE LARKSPUR, CA 94939 | VISION SERVICE PLAN | $4K | — | $4K | 2.79% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | VISION SERVICE PLAN | $3K | — | $3K | 2.21% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.50% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $139 | $7K | 16.63% |
| CHRISTINE M. MCCULLUGH3 | 14715 ME 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.12% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$5K | — | -$5K | -11.59% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | CLAREMONT EAP | $1K | — | $1K | 4.76% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | $2K | — | $2K | 10.68% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HYATT LEGAL PLANS | — | $50 | $50 | 0.26% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 750 LINDARO STREET, SUITE 210 SAN RAFAEL, CA 94901 | HYATT LEGAL PLANS | -$130 | — | -$130 | -0.68% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 110 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.52% |
| HEFFERNAN INSURANCE BROKERS3 | 180 HOWARD STREET, SUITE 200 SAN FRANCISCO, CA 94105 | FEDERAL INSURANCE COMPANY | $329 | $22 | $351 | 16.01% |
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 | 834 | 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) | 834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 299 | $1.5M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 107 | $69K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 845 | $183K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 834 | $663K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 834 | $663K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 834 | $663K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 299 | $1.4M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 834 | $751K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 845 | — |
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.