| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 A EAST LASSEN AVENUE CHICO, CA 95973 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $6K | $21K | 12.22% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 500 TREAT AVENUE, SUITE 200 SAN FRANCISCO, CA 94110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $405 | $4K | 2.14% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | UNUM INSURANCE COMPANY | $10K | $535 | $10K | 26.22% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 A EAST LASSEN AVENUE CHICO, CA 95973 | UNUM INSURANCE COMPANY | $4K | $457 | $5K | 11.81% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 500 TREAT AVENUE, SUITE 200 SAN FRANCISCO, CA 94110 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 3.00% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $175K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $175K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $175K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.