| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILESTONE INSURANCE BROKERS INC.3 | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | UNITED HEALTHCARE INSURANCE COMPANY | $96K | — | $96K | 5.75% |
| MILESTONE INSURANCE BROKERS INC.3 | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | BLUE CROSS OF CALIFORNIA | $64K | — | $64K | 4.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. | 721 S. PARKER STREET ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | — | $20K | $20K | 1.32% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS | 9370 SKY PARK CT, STE. 250 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $3K | $45K | 36.18% |
| MILESTONE INSURANCE BROKERS INC.3 | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 13.75% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 1980 FESTIVAL PLAZA DR., STE. 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.99% |
| CARLOS,KARI,LYN3 | 32011 ROSEMARY ST. WINCHESTER, CA 92596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $682 | — | $682 | 0.55% |
| MILESTONE INSURANCE BROKERS INC.3 Filed as: MILESTONE INS BROKERS INC. | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| MILESTONE INSURANCE BROKERS INC.3 | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.12% |
| MILESTONE INSURANCE BROKERS INC.3 | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MILESTONE INSURANCE BROKERS INC.3 | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | CALIFORNIA DENTAL NETWORK, INC. | $2K | — | $2K | 10.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS | 9370 SKY PARK COURT, STE. 250 SAN DIEGO, CA 92123 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $836 | $26 | $862 | 19.79% |
| CARLOS,KARI,LYN3 | 32011 ROSEMARY ST. WINCHESTER, CA 92596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $290 | — | $290 | 6.66% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 1980 FESTIVAL PLAZA DR. STE 330 LAS VEGAS, NV 89135 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 2.69% |
| MILESTONE INSURANCE BROKERS INC.3 | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 1.56% |
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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 485 | $3.2M |
| Dental(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 585 | $1.8M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 485 | $1.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 541 | $70K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 19 | $4K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 485 | $3.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,336 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,336 | — |
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.