| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILES ORGANIZATION INC3 Filed as: THE MILES ORGANIZATION INC. | 578 WASHINGTON BLVD #801 MARINA DEL REY, CA 90292 | BLUE CROSS OF CALIFORNIA | $18K | — | $18K | 0.08% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 921235380 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $78 | $3K | 0.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $177 | $177 | 0.03% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 921235380 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $1K | $25K | 40.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $31 | $12K | 19.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $202 | $202 | 0.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.05% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 921235380 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $1K | $25K | 40.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $31 | $8K | 12.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $122 | $122 | 0.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30 | $30 | 0.05% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 921235380 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $1K | $24K | 40.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $31 | $12K | 19.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $197 | $197 | 0.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2384171 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $325K |
| USI NONE | Direct payment from the plan; Consulting (general) Service code 16 | 21250 HAWTHORNE BLVD SUITE 380 TORRANCE, CA 90250 | $250K |
| SEAN COOLEY EIN 31-6654730 NONE | Trustee (individual); Direct payment from the plan Service code 20 | — | $242K |
| KANE KESSLER, PC EIN 13-2672411 NONE | Legal; Direct payment from the plan Service code 29 | — | $179K |
| BDO USA, LLP EIN 13-5381590 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $168K |
| MATTHEW MILLER EIN 31-6654730 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| MARYANN SANTAMARIA EIN 31-6654730 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $37K |
| JOHN SCUOLER EIN 31-6654730 NONE | Trustee (individual); Direct payment from the plan Service code 20 | — | $25K |
| FISCHER PHILLIPS NONE | Legal; Direct payment from the plan Service code 29 | 2050 MAIN STREET SUITE 1000 IRVINE, CA 92614 | $20K |
| BASS, BERRY AND SIMS NONE | Legal; Direct payment from the plan Service code 29 | 150 THIRD AVENUE SOUTH SUITE 2800 NASHVILLE, TN 37201 | $6K |
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 | 2,546 | 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) | 2,546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 2,885 | $23.6M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 3,760 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,701 | $640K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,701 | $640K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,701 | $640K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,701 | $640K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,701 | $825K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,760 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.