| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS, | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | — |
| LARRY R. BENNET3 | 605 W. H STREET SUITE 120 BRAWLEY, CA 92227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | — |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS, LL | 9370 SKY PARK CT. SUITE 250 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | — |
| EMERGING BENEFITS CONSULTANTS LLC3 | 3219 E CAMELBACK RD #569 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | — |
| LARRY R. BENNET3 | 605 W. H STREET SUITE 120 BRAWLEY, CA 92227 | VISION SERVICE PLAN | $592 | — | $592 | — |
| LARRY R. BENNET3 | 605 W. H STREET SUITE 120 BRAWLEY, CA 92227 | PRINCIPAL LIFE INSURANCE CO | $0 | — | $0 | — |
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 | 406 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE CO | 151 | $0 |
| Vision | VISION SERVICE PLAN | 262 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.