| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBAL FIRST3 | UNKNOWN PASADENA, CA 91109 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $8K | $8K | 3.60% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS | 3550 CAMINO DEL RIO NORTH SUITE 207 SAN DIEGO, CA 92108 | SYMETRA LIFE INSURANCE COMPANY | $45K | $0 | $45K | 21.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 701 5TH AVENUE, SUITE 550 SEATTLE, WA 98104 | MAGELLAN HEALTH | $2K | $0 | $2K | 12.00% |
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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 649 | $229K |
| Vision | UNITED CONCORDIA INSURANCE COMPANY | 649 | $229K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 530 | $213K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 530 | $213K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 530 | $213K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 530 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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.
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.