| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BOULEVARD IRVINE, CA 92612 | AETNA HEALTH OF CALIFORNIA INC | $23K | $0 | $23K | 2.87% |
| LIBERTY COMPANY INSURANCE BROKERS3 | THE 21820 BURBANK BOULEVARD WOODLAND HILLS, CA 91367 | AETNA HEALTH OF CALIFORNIA INC | $8K | $0 | $8K | 1.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BOULEVARD IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $10K | $4K | $13K | 3.85% |
| LIBERTY COMPANY INSURANCE BROKERS3 | THE 21820 BURBANK BOULEVARD WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR COURT, SUITE 750 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 6.63% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 3.26% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 18.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BOULEVARD SUITE 900 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.12% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BOULEVARD IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $330 | $330 | 0.46% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC | 163 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $87K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $87K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $72K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $72K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC | 163 | $1.1M |
| Other(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC | 256 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.