| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $73K | — | $73K | 11.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $29K | $29K | 4.42% |
| ACRISURE LLC3 | 1950 W CORPORATE WAY STE 23968 ANAHEIM, CA 928015373 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | — | $24K | 4.90% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A PENTARISK | INSURANCE SERVICES LLC 1950 W CORPORATE WAY # 23968 ANAHEIM, CA 928015373 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $26 | $10K | 7.75% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU | INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 3.77% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST | INSURANCE SERVICES LLC 3155 OLSEN DR SAN JOSE, CA 951171661 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 3.31% |
| PENTARISK3 | 2033 GATEWAY PLACE SUITE 150 SAN JOSE, CA 95110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC | COMPANY 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $5K | 5.00% |
| PENTARISK3 | 2033 GATEWAY PLACE SUITE 150 SAN JOSE, CA 95110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC | COMPANY 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $894 | $1K | $2K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3155 OLSEN DRIVE SUITE 400 SAN JOSE, CA 95117 | VISION SERVICE PLAN | $1K | — | $1K | 4.32% |
| ACRISURE LLC3 Filed as: ACRUISURE PARTNRS WEST COAST I | NSURANCE SERVICES, LLC 100 OTTAWA AVE SW GILBERT, MI 49503 | VISION SERVICE PLAN | $231 | — | $231 | 0.74% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 12.33% |
| MATT SMITH3 | 1750 FRANCISCO BLVD STE 11 PACIFICA, CA 94044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.35% |
| CHRIS KELLY3 | 252 WIKIUP MEADOWS DR SANTA ROSA, CA 95403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $512 | — | $512 | 1.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 3093 RAE CREEK DRIVE CHICO, CA 95973 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.27% |
| BALTOR INSURANCE SERVICES3 | 11 AIRPORT BLVD SUITE 105 SOUTH SAN FRANCISCO, CA 94080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.17% |
| PENTARISK3 | 2033 GATEWAY PLACE SUITE 150 SAN JOSE, CA 95110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC | COMPANY 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $324 | $370 | $694 | 5.00% |
| PENTARISK3 | 2033 GATEWAY PLACE SUITE 150 SAN JOSE, CA 95110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC | COMPANY 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $280 | $312 | $592 | 4.99% |
| PENTARISK3 | 2033 GATEWAY PLACE SUITE 150 SAN JOSE, CA 95110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25 | — | $25 | 14.88% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC | COMPANY 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3 | $6 | $9 | 5.36% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 426 | $123K |
| Vision | VISION SERVICE PLAN | 105 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $91K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $38K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.