| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 3550 CAMINO DEL RIO N STE 207 SAN DIEGO, CA 921081739 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45K | $45K | 6.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 N BRAND BLVD STE 100 GLENDALE, AZ 912033931 | METROPOLITAN LIFE INSURANCE COMPANY | — | $107 | $107 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARILINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$3K | -$3K | -0.51% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 3550 CAMINO DEL RIO N STE 207 SAN DIEGO, CA 921081739 | SAFEGUARD HEALTH PLANS, INC., CALIFORNIA CORPORATION | — | $2K | $2K | 4.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | SAFEGUARD HEALTH PLANS, INC., CALIFORNIA CORPORATION | — | -$330 | -$330 | -0.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BEN SERV INC EIN 94-3015711 BROKER | Insurance agents and brokers Service code 22 | — | $577K |
| ARTHUR J GALLAGHER US EIN 88-4189641 ADMINISTRATOR | Contract Administrator Service code 13 | — | $323K |
| KAMMERER & COMPANY INC EIN 47-4834090 LEGAL | Legal Service code 29 | — | $48K |
| EIDE BAILLY LLP EIN 45-0250958 AUDITOR | Accounting (including auditing) Service code 10 | — | $29K |
| EMPLOYEE BENEFITS LAW GRP EIN 68-0195995 LEGAL | Legal Service code 29 | — | $11K |
| PIXA EIN 93-0825523 PRINTING | Other fees Service code 99 | — | $6K |
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 | 1,230 | 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) | 1,232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNET | 757 | $7.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,228 | $688K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 9,228 | $652K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,228 | $652K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,228 | $652K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,228 | $652K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 9,228 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,228 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.