| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | CALIFORNIA PHYSICIANS SERVICE | $73K | $2K | $76K | 3.19% |
| KATHLEEN LEININGER INS SERVICES INC3 Filed as: KATHLEEN LEININGER INS. SERVICES | 8880 BENSON AVENUE, SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $13K | $2K | $16K | 9.14% |
| MJ INSURANCE3 Filed as: SUSANA CALDERON AND VARIOUS AGENTS | 2105 FOOTHILL BOULEVARD, SUITE B216 LA VERNE, CA 91750 | AFLAC | $10K | $380 | $11K | 6.20% |
| DONNA MARIE BLACK3 | 10950 ARROW ROUTE, UNIT 441 RANCHO CUCAMONGA, CA 91729 | AFLAC | $5K | $221 | $5K | 2.78% |
| DIANA HOMA3 | 8880 BENSON AVENUE, SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $3K | $285 | $3K | 1.77% |
| KEN MAJOR3 Filed as: KEN L. MAJOR | 2211 MICHELSON DRIVE, SUITE 1150 IRVINE, CA 92612 | AFLAC | $3K | $73 | $3K | 1.55% |
| CHRISTINA ANNE LEININGER3 | 8880 BENSON AVENUE, SUITE 106 MONTCALIR, CA 91763 | AFLAC | $2K | $49 | $2K | 1.23% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 2 PARK PLAZA, SUITE 440 IRVINE, CA 92614 | AFLAC | $1K | $0 | $1K | 0.85% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $4K | $18K | 12.56% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | DENTAL HEALTH SERVICES | $17K | $0 | $17K | 12.26% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $1K | $0 | $1K | 2.76% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 455 | $2.4M |
| Dental | DENTAL HEALTH SERVICES | 507 | $138K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 530 | $44K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $141K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 318 | $313K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $141K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 455 | $2.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 318 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.