| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITED HEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 4.79% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.49% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 GOLETA, CA 93117 | BLUE CROSS OF CALIFORNIA | $2K | — | $2K | 9.53% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 14.02% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $317 | — | $317 | 3.96% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $682 | — | $682 | 11.62% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $541 | — | $541 | 12.18% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | STANDARD INSURANCE COMPANY | $46 | — | $46 | 1.04% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | ARAG INSURANCE COMPANY | $396 | — | $396 | 10.01% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 31.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, CA 92806 | STANDARD INSURANCE COMPANY | $227 | $30 | $257 | 6.57% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | STANDARD INSURANCE COMPANY | — | $20 | $20 | 0.51% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 91 | $478K |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 133 | $45K |
| Vision | STANDARD INSURANCE COMPANY | 58 | $8K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 133 | $26K |
| Short-term disability | STANDARD INSURANCE COMPANY | 13 | $4K |
| Long-term disability | STANDARD INSURANCE COMPANY | 39 | $19K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 133 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.