| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT 250 SAN DIEGO, CA 921235380 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 3.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 N BRAND BLVD FL 600 GLENDALE, CA 912033944 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$6K | -$6K | -1.17% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 921235380 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | — | $2K | 3.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $1K | $1K | 2.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARTHUR J GALLAGHER & CO INS BROKERS EIN 94-3015711 BROKER | Insurance agents and brokers Service code 22 | 505 N BRAND AVE STE 600 GLENDALE, CA 91203 | $850K |
| RISK PROGRAM ADMINISTRATORS EIN 94-3015711 ADMINISTRATOR | Plan Administrator Service code 14 | 333 EAST OSBORN ROAD SUITE 300 PHOENIX, AZ 85012 | $500K |
| RBTK, LLP EIN 33-0567239 INDEPENDENT AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 5675 RUFFIN ROAD STE 300 SAN DIEGO, CA 92123 | $21K |
| EMPLOYEE BENEFITS LAW GROUP PC EIN 68-0195995 LEGAL | Legal Service code 29 | 620 COOLIDAGE DR STE 100 FOLSOM, CA 956303182 | $20K |
| REPRODUCTION SPECIALISTS, INC. EIN 93-0825523 PRINTING SERVICES | Copying and duplicating Service code 36 | 4050 E COTTON CENTER BLVD SUITE 68 PHOENIX, AZ 85040 | $5K |
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 | 1,662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNET | 919 | $10.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,663 | $577K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 9,663 | $529K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,663 | $529K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,663 | $529K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,663 | $529K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 9,663 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,663 | — |
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.
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.