| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC. | $41K | — | $41K | 3.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $41K | $110K | 14.38% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST SUITE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $583 | $9K | 13.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $495 | $4K | 5.14% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST SUITE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $352 | $9K | 19.65% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $343 | $3K | 7.02% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST SUITE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $410 | $7K | 17.70% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $272 | $2K | 5.07% |
| KRISTEN M ALLISON3 Filed as: KRISTEN ALLISON | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $507 | — | $507 | 1.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | ZURICH AMERICAN INSURANCE COMPANY | $799 | — | $799 | 20.01% |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 224 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 892 | $763K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 892 | $763K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 892 | $763K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 892 | $763K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 892 | $763K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 224 | $1.4M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 892 | $924K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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.