| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P BENNETT & CO3 | — | KAISER PERMANENTE | $44K | — | $44K | 5.00% |
| JAMES P BENNETT & CO3 | — | ANTHEM BLUE CROSS | $32K | — | $32K | 5.00% |
| JAMES P BENNETT & CO3 | — | HEALTH NET | $14K | — | $14K | 5.00% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK #1045 SANTA MONICA, CA 90405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 9.94% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.84% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD STE 1045 SANTA MONICA, CA 90405 | HMO COLORADO | $6K | — | $6K | 5.93% |
| JAMES P BENNETT & CO3 | — | CIGNA + OSCAR | $5K | — | $5K | 5.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT SUITE 250 SAN DIEGO, CA 92123 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 18.01% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD #1045 SANTA MONICA, CA 90405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.56% |
| JAMES P BENNETT & CO3 | — | UNITEDHEALTHCARE OF CALIFORNIA | $3K | — | $3K | 5.00% |
| JAMES P BENNETT & CO3 | — | WESTERN HEALTH ADVANTAGE | $1K | — | $1K | 5.00% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | KAISER PERMANENTE | 83 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $165K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $165K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $165K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $231K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.