| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYNERGY ENROLLMENT & BENEFITS LLC3 | 3550 CAMINO DEL RIO N STE 207 SAN DIEGO, CA 921081739 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44K | $44K | 6.34% |
| SYNERGY ENROLLMENT & BENEFITS LLC3 | PO BOX 210234 CHULA VISTA, CA 91910 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 N BRAND BLVD STE 100 GLENDALE, AZ 912033931 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.01% |
| SYNERGY ENROLLMENT & BENEFITS LLC3 | 3550 CAMINO DEL RIO N STE 207 SAN DIEGO, CA 921081739 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $3K | $3K | 4.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BEN SERV INC EIN 94-3015711 BROKER | Insurance agents and brokers Service code 22 | — | $625K |
| ARTHUR J GALLAGHER US EIN 88-4189641 ADMINISTRATOR | Contract Administrator Service code 13 | — | $396K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 AUDITOR | Accounting (including auditing) Service code 10 | — | $28K |
| EMPLOYEE BENEFITS LAW GRP EIN 68-0195995 LEGAL | Legal Service code 29 | — | $20K |
| PIXA EIN 93-0825523 PRINTING | Other fees Service code 99 | — | $13K |
| CHAMPION RISK EIN 27-3791702 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
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 | 1,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 510 | $10.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,300 | $741K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 9,300 | $690K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,300 | $690K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,300 | $690K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,300 | $690K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 510 | $5.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 9,300 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,300 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.