| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: WOODITCH CO INS SERVICES INC | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $185K | — | $185K | 5.23% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: WOODITCH CO INS SERVICES INC | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | CIGNA HEALTHCARE OF NORTH CAROLINA, INC. | $19K | — | $19K | 5.00% |
| THE WOODITCH COMPANY INSURANCE3 | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.26% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 3550 CAMINIO DEL RIO NORTH SUITE 207 SAN DIEGO, CA 92108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 3.85% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: WOODITCH CO INS SERVICES INC | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $1K | — | $1K | 10.00% |
| 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 | $4K | $129 | $4K | 43.62% |
| 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 | $3K | — | $3K | 31.89% |
| THE WOODITCH COMPANY INSURANCE3 | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.37% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 3550 CAMINO DEL RIO NORTH SUITE 207 SAN DIEGO, CA 92108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $360 | $360 | 4.08% |
| THE WOODITCH COMPANY INSURANCE3 | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.53% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: WOODITCH CO INS SERVICES INC | ONE PARK PLAZA SUITE 400 IRVINE, CA 92614 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $464 | — | $464 | 10.01% |
| 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 | — | $1K | $1K | — |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | 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) | 228 | $3.9M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 228 | $3.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 228 | $3.5M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $55K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $6K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $55K |
| 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."
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.