| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: WOODITCH CO INS SERVICES INC THE | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $118K | $198 | $118K | 5.31% |
| THE WOODITCH COMPANY INSURANCE3 | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.95% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS, LL | 9370 SKY PARK COURT SUITE 250 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $37 | $2K | 6.81% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH COMPANY INSURANCE SERV | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.97% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: WOODITCH CO INS SERVICES INC THE | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $1K | — | $1K | 10.00% |
| THE WOODITCH COMPANY INSURANCE3 | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $821 | — | $821 | 9.81% |
| THE WOODITCH COMPANY INSURANCE3 | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 14.97% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: WOODITCH CO INS SERVICES INC THE | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | CIGNA HEALTHCARE OF TEXAS, INC. | $181 | — | $181 | 4.99% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: WOODITCH CO INS SERVICES INC THE | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $269 | — | $269 | 10.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS, LL | 9370 SKY PARK COURT SUITE 250 SAN DIEGO, CA 92123 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $465 | $16 | $481 | 18.70% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH COMPANY INSURANCE SERV | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $383 | — | $383 | 14.89% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 178 | $2.2M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 178 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 178 | $2.2M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $54K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11 | $7K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.