| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP WEST LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $179K | $0 | $179K | 5.34% |
| RYAN INSURANCE SERVICES LLC3 | 517 EAST WILSON AVENUE, SUITE 104 GLENDALE, CA 91206 | BLUE CROSS OF CALIFORNIA | $67K | $0 | $67K | 2.00% |
| KYLE RYAN3 | 3500 WEST OLIVE AVENUE, SUITE 300 BURBANK, CA 91505 | BLUE CROSS OF CALIFORNIA | $18K | $0 | $18K | 0.53% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92616 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.22% |
| MICHAEL K. ROSENTHAL3 | 56 CORK TREE RANCHO MIRAGE, CA 92270 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.47% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.42% |
| KYLE ROBERT RYAN3 | 327 WEST BROADWAY GLENDALE, CA 91204 | KAISER FOUNDATION HEALTH PLAN, INC. | $438 | $0 | $438 | 3.59% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $758 | $0 | $758 | 9.57% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92616 | TRANSAMERICA LIFE INSURANCE COMPANY | $436 | $0 | $436 | 5.50% |
| MICHAEL K. ROSENTHAL3 | 56 CORK TREE RANCHO MIRAGE, CA 92270 | TRANSAMERICA LIFE INSURANCE COMPANY | $193 | $0 | $193 | 2.44% |
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 | 809 | 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) | 809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 1,034 | $3.5M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,034 | $3.5M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,034 | $3.5M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 46 | $141K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 46 | $141K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 46 | $141K |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 809 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,034 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.