| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 2400 KATELLA AVENUE, SUITE 1100 ANAHEIM, CA 92806 | CALIFORNIA PHYSICIANS SERVICE | $14 | $28K | $28K | 2.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | CALIFORNIA PHYSICIANS SERVICE | $10 | $23K | $23K | 1.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | CALIFORNIA PHYSICIANS SERVICE | $11 | $23K | $23K | 1.74% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT BENEFITS | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | THE GUARDIAN LIFE INSURANCE COMPANY | $16K | — | $16K | 11.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 680 LANGSDORF DRIVE, SUITE 100 FULLERTON, CA 92831 | THE GUARDIAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 8.31% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 250 MONTGOMERY STREET, SUITE 600 SAN FRANCISCO, CA 94104 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | STANDARD INSURANCE COMPANY | $848 | — | $848 | 2.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 8696620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | — | $626 | $626 | 1.68% |
| IAN SMULOWITZ INS3 | 3525 DEL MAR HEIGHTS ROAD UNIT 845 SAN DIEGO, CA 92130 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.92% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | MEDIEXCEL HEALTH PLAN | $470 | — | $470 | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $415 | — | $415 | 2.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | GERBER LIFE INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 2400 KATELLA AVENUE, SUITE 1100 ANAHEIM, CA 92806 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $528 | — | $528 | 10.00% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 164 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 191 | $137K |
| Vision | GERBER LIFE INSURANCE COMPANY | 134 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 220 | $37K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 191 | $137K |
| Long-term disability | STANDARD INSURANCE COMPANY | 220 | $28K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 164 | $1.3M |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 220 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.