| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | CALIFORNIA PHYSICIANS SERVICE | $149K | $0 | $149K | 3.73% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF CALIFORNIA INS SVCS | 18201 VON KARMEN AVENUE, SUITE 1020 IRVINE, CA 92612 | CALIFORNIA PHYSICIANS SERVICE | $51K | $0 | $51K | 1.27% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $13K | $52K | 8.32% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 2301 ROSECRANS AVENUE, SUITE 4130 EL SEGUNDO, CA 90245 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $99 | $19K | 3.09% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 18201 VON KARMEN AVENUE, SUITE 1020 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 1350 BAYSHORE HWY., SUITE 218 BURLINGAME, CA 94010 | BLUE CROSS OF CALIFORNIA | $7K | $9 | $7K | 10.22% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $3K | $11 | $3K | 4.03% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.81% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 18201 VON KARMEN AVENUE, SUITE 1020 IRVINE, CA 92612 | VISION SERVICE PLAN | $220 | $0 | $220 | 0.31% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 18201 VON KARMEN AVENUE, SUITE 501 IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | $648 | $0 | $648 | 15.01% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 656 | $4.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 961 | $627K |
| Vision | VISION SERVICE PLAN | 265 | $70K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 961 | $700K |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 268 | $73K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 268 | $73K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 656 | $4.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 961 | $705K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.
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.