| 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 | $83K | $0 | $83K | 3.69% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $996 | $996 | 0.04% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | LIFE INSURANCE OF NORTH AMERICA | $177K | $0 | $177K | 11.92% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE OF NORTH AMERICA | $0 | $43K | $43K | 2.91% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.87% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $56 | $56 | 0.04% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.24% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | METLIFE LEGAL PLANS | $6K | $535 | $7K | 9.52% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | METLIFE LEGAL PLANS | $0 | $28 | $28 | 0.04% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 4040 CIVIC CENTER DIVE, SUITE 200 SAN RAFAEL, CA 94903 | METLIFE LEGAL PLANS | $0 | $28 | $28 | 0.04% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE MCCULLUGH | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 14.45% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 7676 NORTH PALM AVENUE, SUITE 106 FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVENUE OF AMERICAS, SUITE 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $10K | $0 | $10K | 20.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 7676 NORTH PALM AVENUE, SUITE 106 FRESNO, CA 93711 | CLAREMONT EAP | $2K | $0 | $2K | 3.99% |
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 | 1,959 | 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) | 1,959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 376 | $2.5M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 358 | $333K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 2,063 | $530K |
| Life insurance | LIFE INSURANCE OF NORTH AMERICA | 1,959 | $1.5M |
| Short-term disability | LIFE INSURANCE OF NORTH AMERICA | 1,959 | $1.5M |
| Long-term disability | LIFE INSURANCE OF NORTH AMERICA | 1,959 | $1.5M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 376 | $2.3M |
| Other(6 contracts, 6 carriers) | LIFE INSURANCE OF NORTH AMERICA | 1,959 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,063 | — |
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.