| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY STE 400 ALISO VIEJO, CA 92656 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 11.17% |
| LBL INSURANCE SERVICES INC3 | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.66% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9655 GRANITE RIDGE DR STE 500 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.54% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY STE 400 ALISO VIEJO, CA 92656 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $133 | $3K | 18.63% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9655 GRANITE RIDGE DR STE 500 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | — | $177 | $177 | 1.26% |
| LBL INSURANCE SERVICES INC3 | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | — | $133 | $133 | 0.95% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY STE 400 ALISO VIEJO, CA 92656 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $173 | $2K | 12.78% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9655 GRANITE RIDGE DR STE 500 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | — | $243 | $243 | 1.87% |
| LBL INSURANCE SERVICES INC3 | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | — | $173 | $173 | 1.33% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY STE 400 ALISO VIEJO, CA 92656 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $112 | $1K | 12.14% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9655 GRANITE RIDGE DR STE 500 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | — | $156 | $156 | 1.55% |
| LBL INSURANCE SERVICES INC3 | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | 1.11% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 71 | $37K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $162K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $162K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $162K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $162K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $162K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.