| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AETNA HEALTH, INC. | $53K | — | $53K | 3.70% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | AETNA HEALTH, INC. | $13K | — | $13K | 0.89% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS INC | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | AETNA HEALTH, INC. | $8K | — | $8K | 0.53% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 6.03% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.04% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS INC | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | AETNA LIFE INSURANCE COMPANY | $234 | — | $234 | 0.11% |
| LIFE PLANS INC3 Filed as: LIFE PLANS, INC. | 2 PARK PLAZA, SUITE 550 IRVINE, CA 92614 | AETNA LIFE INSURANCE COMPANY | — | $68 | $68 | 0.03% |
| STEVE CRAIG GOLDSTEIN3 Filed as: STEVE GOLDSTEIN | 1 SOUTH FAIR OAKS AVENUE, SUITE 200 PASADENA, CA 91105 | AFLAC | $286 | $89 | $375 | 11.04% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AFLAC | $124 | — | $124 | 3.65% |
| STEPHANIE L SANDERS3 Filed as: STEPHANIE SANDERS AND OTHER AGENTS | 27305 LIVE OAK ROAD, SUITE A437 SANTA CLARITA, CA 91384 | AFLAC | $94 | — | $94 | 2.77% |
| SPALDING GROUP ENTERPRISES3 | 4297 KLUMP AVENUE STUDIO CITY, CA 91602 | AFLAC | $56 | $15 | $71 | 2.09% |
| ADAM H MICHAELS3 Filed as: ADAM H. MICHAELS | 12121 WILSHIRE BOULEVARD SUITE 1225 LOS ANGELES, CA 90025 | AFLAC | $34 | $15 | $49 | 1.44% |
| GAIL B. SILVER3 | 265 SOUTH OAKHURST DRIVE BEVERLY HILLS, CA 90212 | AFLAC | $45 | — | $45 | 1.32% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE, SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $22 | — | $22 | 0.65% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 324 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 324 | $214K |
| Vision | AETNA LIFE INSURANCE COMPANY | 324 | $214K |
| Short-term disability | AFLAC | 5 | $3K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 324 | $1.7M |
| Other | AFLAC | 5 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.