| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AETNA HEALTH, INC. | $40K | — | $40K | 3.73% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $23K | $12K | $35K | 9.56% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $8K | 17.72% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: BREDESON INS. SVS. AND OTHER AGENTS | 641 HIGUERA STREET, SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $2K | — | $2K | 5.98% |
| DAVID W. LANKIN3 | 5244 CANGAS DRIVE AGOURA HILLS, CA 91301 | AFLAC | $1K | — | $1K | 4.23% |
| CATHERINE ESTES3 Filed as: CATHERINE S. ESTES | 785 TUCKER ROAD, SUITE G233 TEHACHAPI, CA 93561 | AFLAC | $626 | — | $626 | 2.09% |
| SANDER A. KESSLER AND ASSOCIATES3 | 2850 OCEAN PARK BOULVARD, SUITE 200 SANTA MONICA, CA 90405 | AFLAC | $319 | — | $319 | 1.07% |
| ROCHELLE R MAURER3 Filed as: ROCHELLE R. MAURER | 43535 17TH STREET WEST, SUITE 501 LANCASTER, CA 93534 | AFLAC | $272 | — | $272 | 0.91% |
| JOHN J MACIAS JR3 Filed as: JOHN J. MACIAS JR. | 950 NORTH UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $202 | — | $202 | 0.67% |
| ROXANNE WISWOSSER3 | 43535 17TH STREET WEST, SUITE 501 LANCASTER, CA 93534 | AFLAC | $152 | — | $152 | 0.51% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | EYEMED VISION CARE | $2K | — | $2K | 10.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC | 4371 LATHAM STREET, SUITE 100 RIVERSIDE, CA 92501 | EYEMED VISION CARE | $124 | — | $124 | 0.62% |
| JOHN PACHECO4 | 3436 EAST SYCAMORE AVENUE VISALIA, CA 93292 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $358 | — | $358 | 3.45% |
| LISA N PEART4 Filed as: LISA N. PEART | 1426 WEST 121ST STREET LOS ANGELES, CA 90047 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $275 | — | $275 | 2.65% |
| INTEGRITY ASSET SERVICES LLC4 | 1873 KOYUKON DRIVE SOUTH LAKE TAHOE, CA 96150 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $145 | — | $145 | 1.40% |
| NICOLE BUTKOVICH4 | 199 MIRIAM WAY CARSON CITY, NV 89706 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $56 | — | $56 | 0.54% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 370 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 370 | $362K |
| Vision | EYEMED VISION CARE | 292 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $47K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 370 | $410K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 370 | $1.4M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.