| 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 | $418K | $45K | $462K | 4.99% |
| MILESTONE INSURANCE BROKERS INC.3 Filed as: MILESTONE INSURANCE BROKERS INC | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.77% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST SUITE 200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $9K | $60K | 36.67% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MILESTONE RISK MANAGEMENT & INS SVC | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 12.29% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.99% |
| CARLOS,KARI,LYN3 Filed as: CARLOS, KARI, LYN | 2415 CAMPUS DR STE 200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134 | — | $134 | 0.08% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$4K | -$855 | -$5K | -3.07% |
| MILESTONE INSURANCE BROKERS INC.3 | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 16.92% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 92123 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $9 | $1K | — |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MILESTONE RISK MANAGEMENT & INS SVC | 8 CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $128 | — | $128 | — |
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 | 2,066 | 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) | 2,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 4,092 | $9.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 4,092 | $9.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 4,092 | $9.3M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,066 | $496K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,066 | $418K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 2,066 | $418K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 4,092 | $9.3M |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,066 | $660K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,092 | — |
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.
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.