| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | AETNA LIFE INSURANCE COMPANY | $27K | $3K | $29K | 5.01% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | AETNA LIFE INSURANCE COMPANY | $12K | $1K | $13K | 6.55% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 10.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 3550 CAMINO DEL RIO N STE 207 SAN DIEGO, CA 92108 | UNUM INSURANCE COMPANY | $567 | $23 | $590 | 19.75% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INSURANCE | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $93 | — | $93 | 3.11% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 3550 CAMINO DEL RIO N STE 207 SAN DIEGO, CA 92108 | UNUM INSURANCE COMPANY | $205 | $2 | $207 | 7.07% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INSURANCE | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $88 | — | $88 | 3.01% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 3550 CAMINO DEL RIO N STE 207 SAN DIEGO, CA 92108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $296 | $7 | $303 | 10.76% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INSURANCE | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $127 | — | $127 | 4.51% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 3550 CAMINO DEL RIO N STE 207 SAN DIEGO, CA 92108 | UNUM INSURANCE COMPANY | $323 | $15 | $338 | 14.81% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INSURANCE | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $84 | — | $84 | 3.68% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 141 | $789K |
| Dental | AETNA LIFE INSURANCE COMPANY | 141 | $204K |
| Vision | AETNA LIFE INSURANCE COMPANY | 141 | $204K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 139 | $11K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8 | $3K |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE COMPANY | 141 | $789K |
| Other(6 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 141 | $808K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.