| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN, INC. | $32K | — | $32K | 4.12% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 1.05% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 495011788 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 3.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - MIAMI | 1001 BRICKELL BAY DR 10TH FLOOR MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.55% |
| ADSH INVESTMENTS3 Filed as: ADSH INVESTMENTS II INC | 23716 BIRTCHER DR. LAKE FOREST, CA 92630 | UNITEDHEALTHCARE INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | 9605 S KINGSTON CT, STE 150 ENGLEWOOD, CO 80112 | GUARDIAN LIFE INSURANCE | $70K | $4K | $74K | 14.88% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST IN | 200 E RANDOLPH STREET CHICAGO, IL 60601 | GUARDIAN LIFE INSURANCE | $34K | — | $34K | 6.80% |
| ACRISURE LLC3 | DBA HEALTH ADVISOR 9605 S. KINGSTON CT., STE 150 ENGLEWOOD, CO 801126021 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.25% |
| BENEFITS MATCHMAKING LLC3 | DBA SUVAUN 100 OTTAWA AVE SW GRAND RAPIDS, MI 495035087 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.07% |
| ADSH INVESTMENTS3 Filed as: ADSH INVESTMENTS II INC. | DBA BENEFITS EXCHANGE 23716 BIRTCHER DR. LAKE FOREST, CA 926301771 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.32% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER CMNS BREWSTER, NY 105094059 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.21% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 495011788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $798 | $798 | 0.72% |
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 | 1,089 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 109 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $112K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE | 1,005 | $606K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE | 1,005 | $606K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE | 1,005 | $606K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE | 1,005 | $606K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 109 | $1.5M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE | 1,064 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,064 | — |
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.