| 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 (CIGNA) | $173K | — | $173K | 5.22% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: WOODITCH CO INS SERVICES INC | THE ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | CIGNA HEALTHCARE OF NORTH CAROLINA, INC. | $13K | — | $13K | 5.00% |
| THE WOODITCH COMPANY INSURANCE3 | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.53% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS, LL | 3550 CAMINO DEL RIO NORTH SUITE 207 SAN DIEGO, CA 92108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $115 | $2K | 8.93% |
| 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 | $2K | — | $2K | 6.47% |
| 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 | $958 | — | $958 | 10.82% |
| THE WOODITCH COMPANY INSURANCE3 | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $880 | — | $880 | 16.85% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS, LL | 3550 CAMINO DEL RIO NORTH SUITE 207 SAN DIEGO, CA 92108 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $922 | $57 | $979 | 34.86% |
| 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 | $702 | — | $702 | 25.00% |
| 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. | $278 | — | $278 | 9.99% |
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 | 176 | 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) | 176 | 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 (CIGNA) | 198 | $3.6M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 198 | $3.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 198 | $3.3M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $49K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12 | $5K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.