| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | PO BOX 7746 CITRUS HEIGHTS, CA 95621 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | — | $72K | 6.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | PO BOX 7746 CITRUS HEIGHTS, CA 95621 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 3.15% |
| PROFESSIONAL GROUP PLANS INC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $186K | $9K | $195K | 104.98% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA LLC | DBA BEDROSIAN INSURANCE GRAND RAPIDS, MI 49503 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $28K | $3K | $31K | 16.61% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVE STE 410 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN OF NORTHWEST | $1K | — | $1K | 2.08% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | ATTN BEDROSIAN INS SVCS PO BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | ATTN BEDROSIAN INS SVCS PO BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $359 | — | $359 | 0.71% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFONIA LLC | ATTN BEDROSIAN INS SVCS PO BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | ATTN BEDROSIAN INS SVCS PO BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $331 | — | $331 | 0.83% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | ATTN BEDROSIAN INS SVCS PO BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | ATTN BEDROSIAN INS SVCS PO BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $173 | — | $173 | 0.66% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | ATTN BEDROSIAN INS SCS PO BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 20.01% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | ATTN BEDROSIAN INS SVCS PO BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $140 | — | $140 | 0.75% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $2.0M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 159 | $186K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 159 | $186K |
| Life insurance | STANDARD INSURANCE COMPANY | 228 | $40K |
| Short-term disability | STANDARD INSURANCE COMPANY | 45 | $26K |
| Long-term disability | STANDARD INSURANCE COMPANY | 67 | $50K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 82 | $732K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.