| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $85K | $7K | $92K | 5.32% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 9.47% |
| MJ INSURANCE3 Filed as: M. SCHWARZBLATT AND VARIOUS AGENTS | 623 NORTH CRESCENT DRIVE BEVERLY HILLS, CA 90210 | AFLAC | $59 | $0 | $59 | 4.42% |
| GAIL B. SILVER3 | 265 SOUTH OAKHURST DRIVE BEVERLY HILLS, CA 90212 | AFLAC | $28 | $0 | $28 | 2.10% |
| STEVE CRAIG GOLDSTEIN3 Filed as: STEVE GOLDSTEIN | 1 SOUTH FAIR OAKS AVENUE, SUITE 200 PASADENA, CA 91105 | AFLAC | $27 | $0 | $27 | 2.02% |
| KANDI M MCINTYRE3 Filed as: KANDI M. MCINTYRE | 2000 MALLORY LANE, SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $20 | $0 | $20 | 1.50% |
| GEOFFREY MALAIS3 | 16800 DEVONSHIRE STREET, SUITE 220 GRANADA HILLS, CA 91344 | AFLAC | $15 | $0 | $15 | 1.12% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHESON DRIVE, SUITE 1200 IRVINE, CA 92612 | AFLAC | $13 | $0 | $13 | 0.97% |
| USI INSURANCE SERVICES LLC3 | 21600 OXNARD STREET, 8TH FLOOR WOODLAND HILLS, CA 91367 | AFLAC | $11 | $0 | $11 | 0.82% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 279 | $1.7M |
| Dental | BLUE CROSS OF CALIFORNIA | 279 | $1.7M |
| Vision | BLUE CROSS OF CALIFORNIA | 279 | $1.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $128K |
| Short-term disability | AFLAC | 2 | $1K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $128K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 279 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.