| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 100 OTTAWA AVE., SW GRAND RAPIDS, MI 49503 | CALIFORNIA PHYSICIANS' SERVICE | — | $146K | $146K | 5.26% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 85018 | CALIFORNIA PHYSICIANS' SERVICE | $58K | — | $58K | 2.11% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | DBA AHERN-ELT INSURANCE SVCS 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | — | $29K | 10.31% |
| ROGERS BENEFIT GROUP INC3 | 9909 MIRA MESA BLVD STE 160 SAN DIEGO, CA 92131 | PRINCIPAL LIFE INSURANCE COMPANY | — | $10K | $10K | 3.44% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 9909 MIRA MESA BLVD STE 160 SAN DIEGO, CA 92131 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.68% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 16835 W BERNARDO STE 212 SAN DIEGO, CA 92127 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $10K | — | $10K | 13.74% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | D/B/A AHERN INSURANCE BROKERAGE 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 22.53% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CENTER DR STE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $463 | $2K | 7.61% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | D/B/A AHERN INSURANCE BROKERAGE 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 22.59% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CENTER DR STE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $971 | $340 | $1K | 7.63% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | D/B/A AHERN INSURANCE BROKERAGE 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 22.21% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CENTER DR STE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $631 | $221 | $852 | 7.49% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA AHERN INSURANCE BROKERAGE LLC 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | METLIFE LEGAL PLANS | $1K | — | $1K | 14.96% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA AHERN INSURANCE BROKERAGE LLC 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | METROPOLITAN GENERAL INSURANCE COMPANY | $483 | — | $483 | 22.52% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 382 | $2.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $278K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $278K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $278K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $278K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $278K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.