| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERM INSURANCE BROKERS3 | 3000 W MACARTHUR BLVD STE 120 SANTA ANA, CA 92704 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.07% |
| ERM INSURANCE BROKERS3 | 3000 W MACARTHUR BLVD STE 120 SANTA ANA, CA 92704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $841 | $0 | $841 | 18.09% |
| ERM INSURANCE BROKERS3 Filed as: ERM INSURANCE BROKERS INC | 3000 W MACARTHUR BLVD 120 SANTA ANA, CA 92704 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC | $436 | $0 | $436 | 10.92% |
| 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 | $2K | $0 | $2K | 43.02% |
| ERM INSURANCE BROKERS3 | 3000 W MACARTHUR BLVD STE 120 SANTA ANA, CA 92704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $691 | $0 | $691 | 18.45% |
| ERM INSURANCE BROKERS3 | 3000 W MACARTHUR BLVD STE 120 SANTA ANA, CA 92704 | STARMOUNT LIFE INSURANCE COMPANY | $357 | $0 | $357 | 11.79% |
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 | 30 | 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) | 30 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 18 | $20K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 18 | $3K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.