| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | $223K | $35K | $259K | 4.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 18201 VON KARMEN AVENUE, SUITE 200 IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | -$12 | $0 | -$12 | -0.00% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS INC | 2905 MAGNOLIA AVENUE LONG BEACH, CA 90806 | AFLAC | $9K | $80 | $9K | 6.72% |
| ANNETTE L. BURNS3 | 28303 BRYCE DRIVE CASTAIC, CA 91384 | AFLAC | $4K | $46 | $4K | 2.87% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS AND VARIOUS AGENTS | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AFLAC | $2K | $14 | $2K | 1.68% |
| HORACIO J. LANZAS3 | 7032 BAIRD AVENUE RESEDA, CA 91335 | AFLAC | $1K | $15 | $1K | 0.84% |
| GEORGE E ARBID3 Filed as: GEORGE E. ARBID | 25728 LEWTS WAY STEVENSON RANCH, CA 91381 | AFLAC | $972 | $22 | $994 | 0.76% |
| TOMMY L JOHNSON JR3 Filed as: TOMMY L. JOHNSON | 711 SOUTH OLIVE STREET APARTMENT 14 LOS ANGELES, CA 90014 | AFLAC | $594 | $0 | $594 | 0.46% |
| KATRINA LAFATA3 | 2905 MAGNOLIA AVENUE LONG BEACH, CA 90806 | AFLAC | $549 | $0 | $549 | 0.42% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 17.00% |
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 | 681 | 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) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,308 | $6.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,308 | $6.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,308 | $6.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,308 | $6.3M |
| Short-term disability | AFLAC | 126 | $130K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,308 | $6.3M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,308 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,308 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.