| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | AETNA LIFE INSURANCE COMPANY | $80K | $0 | $80K | 3.98% |
| PROGRESSIVE BENEFIT GROUP3 Filed as: PROGRESSIVE BENEFIT GROUP 9035 | SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.23% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 100 OTTAWA AVE SW GRAND RAPIDS OTTAWA, MI 49503 | AETNA HEALTH INC | $32K | $0 | $32K | 3.96% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | AETNA HEALTH INC | $5K | $0 | $5K | 0.57% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 7033 OWENSMOUTH AVE CANOGA PARK, CA 91306 | STANDARD INSURANCE COMPANY | $24K | $0 | $24K | 8.09% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN | $13K | $0 | $13K | 5.02% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 12.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.43% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | VISION SERVICE PLAN | $2 | $0 | $2 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 15.00% |
| ACRISURE LLC3 | 100 OTTAWA AVE SUITE GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 8.17% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 231 | $3.4M |
| Dental | STANDARD INSURANCE COMPANY | 213 | $293K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 258 | $330K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $147K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 283 | $31K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $147K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.