| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | UNITED HEALTHCARE INSURANCE COMPANY | $48K | $13K | $60K | 3.52% |
| RACHEL OWENS3 | 1633 E FOURTH ST, SUITE 216 SANTA AMA, CA 92701 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | $7K | $26K | 1.53% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS SVCS INC | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.63% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 62.19% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 407 | $1.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 407 | $1.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 407 | $1.7M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 385 | $33K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 407 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 385 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.