| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6100 FAIRVIEW ROAD STE 1400, 14TH FLOOR CHARLOTTE, NC 28210 | BLUE CROSS OF CALIFORNIA | — | $38K | $38K | 0.13% |
| 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 | $0 | $25K | $25K | 2.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $57 | $4K | 0.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $311 | $311 | 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 | $17K | $2K | $19K | 29.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $57 | $6K | 8.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $143 | $143 | 0.22% |
| 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 | $20K | $2K | $22K | 36.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $57 | $7K | 11.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $170 | $170 | 0.28% |
| 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 | $17K | $2K | $19K | 32.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $57 | $6K | 9.89% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $145 | $145 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2384171 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $588K |
| SEAN COOLEY EIN 31-6654730 NONE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $290K |
| USI NONE | Consulting (general); Direct payment from the plan Service code 16 | 21250 HAWTHORNE BLVD SUITE 380 TORRANCE, CA 90250 | $250K |
| BDO USA, LLP EIN 13-5381590 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $171K |
| KANE KESSLER, PC EIN 13-2672411 NONE | Legal; Direct payment from the plan Service code 29 | — | $125K |
| MATTHEW MILLER EIN 31-6654730 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| MARYANN SANTAMARIA EIN 31-6654730 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| FISCHER PHILLIPS NONE | Legal; Direct payment from the plan Service code 29 | 2050 MAIN STREET SUITE 1000 IRVINE, CA 92614 | $8K |
| CARL STURGES EIN 31-6654730 NONE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $7K |
| MARK ANDORW EIN 31-6654730 NONE | Trustee (individual); Direct payment from the plan Service code 20 | — | $6K |
| ROBERT SACKS EIN 13-2672411 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
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 | 2,705 | 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) | 2,705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 2,920 | $28.7M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 3,895 | $1.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,987 | $975K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,987 | $975K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,987 | $975K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,987 | $975K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,987 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,987 | — |
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.