| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENELY INSURANCE SERVICES3 | 11601 WILSHIRE BLVD STE 500 LOS ANGELES, CA 90025 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 2.85% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 2.14% |
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVE STE 600 IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.28% |
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVE STE 600 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | — | $12K | 3.01% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 2.05% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNITEDHEALTHCARE OF CALIFORNIA | $7K | — | $7K | 2.55% |
| BENELY INSURANCE SERVICES3 | 19200 VON KARMAN AVE STE 600 IRVINE, CA 92612 | UNITEDHEALTHCARE OF CALIFORNIA | $7K | — | $7K | 2.45% |
| NAVALI & COMPANY INC3 | 11601 WILSHIRE BLVD STE 500 LOS ANGELES, CA 90025 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 5.75% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | HUMANA INSURANCE COMPANY | $5K | $396 | $6K | 4.51% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $54 | $3K | 8.03% |
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVE STE 600 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.14% |
| NAVALI & COMPANY INC3 | 11601 WILSHIRE BLVD STE 500 LOS ANGELES, CA 90025 | HUMANADENTAL INSURANCE COMPANY | $517 | — | $517 | 5.56% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | HUMANADENTAL INSURANCE COMPANY | $408 | $84 | $492 | 5.29% |
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVE STE 600 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $715 | — | $715 | 7.96% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $632 | $13 | $645 | 7.18% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $1.8M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 240 | $138K |
| Vision | HUMANA INSURANCE COMPANY | 240 | $129K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $9K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.