| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 505 N BRAND BLVD, 6TH FLOOR GLENDALE, CA 91203 | AETNA HEALTH OF CALIFORNIA INC | $29K | — | $29K | 3.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 505 N BRAND BLVD, 6TH FLOOR GLENDALE, CA 91203 | AETNA LIFE INSURANCE COMPANY | $12K | $1K | $13K | 9.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 505 N BRAND BLVD 6TH FL GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $372 | $3K | 17.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS INS | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $372 | — | $372 | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 505 N BRAND BLVD, 6TH FLOOR GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $961 | $192 | $1K | 12.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS INS | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $192 | — | $192 | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 505 N BRAND BLVD, 6TH FLOOR GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $169 | $1K | 17.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS INS | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $169 | — | $169 | 2.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 54.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD 6TH FL GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $116 | $1K | 19.51% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 54.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD 6TH FL GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $997 | $114 | $1K | 19.49% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 39.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD 6TH FL GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $488 | $78 | $566 | 14.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 505 N BRAND BLVD 6TH FL GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $574 | $77 | $651 | 17.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS INS | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $77 | — | $77 | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 505 N BRAND BLVD, SUITE 600 GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $66 | $9 | $75 | 17.16% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS INS | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9 | — | $9 | 2.06% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC | 251 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 251 | $135K |
| Vision | AETNA LIFE INSURANCE COMPANY | 251 | $135K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 212 | $18K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 17 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $19K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC | 251 | $1.1M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 212 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.