| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAX & FINANCIAL GROUP BENEFITS3 Filed as: TAX & FINANCIAL GROUP | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | AETNA HEALTH, INC. | $77K | — | $77K | 4.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AETNA HEALTH, INC. | $14K | — | $14K | 0.80% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $53K | — | $53K | 4.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 0.90% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $558 | $7K | 7.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $994 | $482 | $1K | 1.50% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $306 | $6K | 11.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $346 | $3K | 4.76% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | UNUM INSURANCE COMPANY | $1K | $156 | $1K | 8.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $3 | $1 | $4 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $873 | $116 | $989 | 11.07% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | UNUM INSURANCE COMPANY | $363 | $33 | $396 | 4.43% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFIT | 9370 SKY PARK CT., SUITE 930 SAN DIEGO, CA 92123 | UNUM INSURANCE COMPANY | $103 | $14 | $117 | 1.31% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | UNUM INSURANCE COMPANY | $412 | $53 | $465 | 8.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS | 9370 SKY PARK CT., SUITE 250 SAN DIEGO, CA 92123 | UNUM INSURANCE COMPANY | $204 | $22 | $226 | 3.89% |
| TAX & FINANCIAL GROUP BENEFITS3 | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $781 | -$8 | $773 | 36.41% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT, SUITE 250 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $133 | $7 | $140 | 6.59% |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 601 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 601 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 601 | $1.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $99K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 601 | $2.8M |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.