It looks like a bee but it is a fly, the Narcissus bulb fly. it lays eggs on your bulbs and when they hatch, guess what is on the menu. A little tip to help is that when you pull out the leaves or flowers, run your hand over the soil to fill in the holes. These holes give the fly access to the bulbs. This is what it lools like. ( photo / image / picture from Kildale's Garden )
I must make sure that any bulbs I buy from now on are only from reputable nurseries or suppliers as I'd hate my bulbs to be invaded by the larva of this fly.
I take a lot of insect pics so here is another image of the bulb fly. Merodon equestris Merodon equestris ( photo / image / picture from Kildale's Garden )
Saddest thing is that there is no treatment for the amateur. Professionals heat up the bulbs to and exact temeperature for an exact length of time to kill of the larva. You can tell a bulb which has a grub in it,if you ently squeeze the bulb, if feels soft and 'squishy'. So ,youkow the answer, do not buy a soft narcissus bulb. We have a major problem with them here, unfortunately as they also attack Snowdrops and as you know we have a few thousand of them.