| 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 | $104K | — | $104K | 4.89% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 4.90% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $23K | — | $23K | 8.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $4K | — | $4K | 1.72% |
| KRISTEN M ALLISON3 Filed as: KRISTEN M. ALLISON | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 11.69% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.82% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | GERBER LIFE AND ACCIDENT INSURANCE COMPANY | $299 | — | $299 | 15.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 4.44% |
| BRIAN YERVANT AKIAN3 | 503 SPRINGBROOK NORTH IRVINE, CA 92614 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $3 | $26 | 2.10% |
| ERIC BROGAN3 Filed as: ERIC SWANSON | 3210 FALL RIVER ROAD TRABUCO CANYON, CA 92679 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 1.37% |
| RYAN THURSTON WHITTAKER3 | 33011 COMMODORE COURT SAN JUAN CAPO, CA 92675 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 1.37% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F. FAHEY III | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.81% |
| MIKE MCCORMICK3 | 348 SOUTH STRONGS COURT SALT LAKE CITY, UT 84102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.40% |
| MJ INSURANCE3 Filed as: JOHN EVANGELISTA AND VARIOUS AGENTS | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.24% |
| PHYLLIS JOY4 Filed as: PHYLLIS JOY SELZNICK BLITZ | 21121 NEWCASTLE LAKE FOREST, CA 92630 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $184 | — | $184 | 20.60% |
| MICHAEL A. BORNIA4 | 2630 VAREO COURT CAPE CORAL, FL 33991 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $9 | — | $9 | 1.01% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 536 | $2.8M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 536 | $2.6M |
| Vision | BLUE CROSS OF CALIFORNIA | 536 | $2.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 300 | $157K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 300 | $157K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 300 | $157K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 536 | $2.8M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 300 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.