| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $132K | $0 | $132K | 2.37% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $165K | $15K | $181K | 3.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $42K | $0 | $42K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | $0 | $59K | 2.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | $0 | $1K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $15K | $0 | $15K | 0.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $9K | $0 | $9K | 0.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $27K | $3K | $30K | 2.80% |
| UNKNOWN3 | UNKNOWN CENTREVILLE, VA 20120 | AETNA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.27% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 7676 NORTH PALM AVENUE, SUITE 106 FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | $2K | $59K | 6.35% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA, SUITE 110 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $0 | $41K | 4.44% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 1.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $3K | $0 | $3K | 1.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | METLIFE LEGAL PLANS | $28K | $3K | $31K | 10.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | $0 | $2K | 0.84% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 7.80% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 7.74% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | GENWORTH LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.04% |
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 | 8,590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 690 | $12.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 3,046 | $1.1M |
| Vision | VISION SERVICE PLAN | 7,241 | $1.3M |
| Life insurance(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,590 | $11.9M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,557 | $5.6M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,557 | $5.8M |
| Prescription drug(7 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 690 | $9.8M |
| Other(8 contracts, 8 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,590 | $12.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,590 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.