| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $26K | — | $26K | 3.38% |
| SSG INSURANCE & FINANCIAL SERVICES3 | 24025 PARK SORRENTO #441 CALABASAS, CA 913024018 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 4.93% |
| PHILIP F KELLY3 Filed as: PHILIP FRAZIER KELLY | 22343 LA PALMA AVE #127 YORBA LINDA, CA 92887 | HEALTH NET | $11K | — | $11K | 6.79% |
| WALL STREET FINANCIAL GRP3 Filed as: WALL STREET FINANCIAL GROUP INC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $12K | — | $12K | 7.11% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65K | — | $65K | 43.18% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.42% |
| MIKE S GAYNOR3 | 8672 SHORE WAY DRIVE SW BYRON CENTER, MI 49315 | CONTINENTAL AMERICAN INSURANCE COMPANY | $571 | — | $571 | 0.38% |
| K HARRIS & ASSOCIATES, LLC3 | 950 W. NORTON AVE MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | — | $312 | 0.21% |
| NORTHRIM BENEFITS GROUP3 | 3111 C STREET ANCHORAGE, AK 99503 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA | $11K | — | $11K | 7.43% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 1120 BRISTOL ST COSTA MESA, CA 926265927 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 7.26% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GROUP, LTD | 2920 TOCCOA ROAD BEAUMONT, TX 77703 | BLUE CROSS BLUE SHIELD OF TEXAS | $6K | $135 | $6K | 4.87% |
| GARY NEAL3 | 11022 WINNERS CIR STE 100 LOS ALAMITOS, CA 907202869 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.67% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | PO BOX 1788 GRAND RAPIDS, MI 495010000 | UNITEDHEALTHCARE OF CALIFORNIA | $7K | — | $7K | 7.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT INSURANCE SERVICES | 5110 N 4OTH ST SUITE 234 PHOENIX, AZ 850182126 | UNITEDHEALTHCARE OF CALIFORNIA | $3K | — | $3K | 3.00% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC | PO BOX 34315 SEATTLE, WA 98124 | USABLE LIFE | $10K | — | $10K | 11.50% |
| NORTHRIM BENEFITS GROUP3 | 3111 C ST #500 ANCHORAGE, AK 99503 | USABLE LIFE | $10K | — | $10K | 11.50% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | PO BOX 1788 GRAND RAPIDS, MI 495011788 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 7.73% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-CALIFORNIA | 5110 N 40TH ST STE 234 PHOENIX, AZ 850182151 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $3K | — | $3K | 3.43% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIC GROUP | 2920 TOCCOA ROAD BEAUMONT, TX 77703 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $219 | — | $219 | 0.27% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ASHTON BENEFITS | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | AETNA | $2K | — | $2K | 2.29% |
| ASHTON BENEFITS3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | AETNA | $200 | — | $200 | 0.28% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HEAD CAPITAL | 2840 HILLCREEK DRIVE AUGUSTA, GA 309095628 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $3K | — | $3K | 6.36% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ACHS INSURANCE | 2840 HILLCREEK DRIVE AUGUSTA, GA 309095628 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | — | $502 | $502 | 0.96% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | PO BOX 3505 LITTLE ROCK, AR 722033505 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | — | $375 | $375 | 0.72% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | HEALTH NET | $3K | — | $3K | 6.05% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 4.30% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 16835 W BERNARDO DR 212 SAN DIEGO, CA 921271612 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.62% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 493168081 | PRINCIPAL LIFE INSURANCE COMPANY | — | $585 | $585 | 1.65% |
| MARTIN J WOLFF & CO INC INS AGENTS3 Filed as: MARTIN J WOLFF & CO INS BROKER | 4311 WILSHIRE BLVD STE 412 LOS ANGELES, CA 90010 | BLUE SHIELD OF CALIFORNIA | $2K | — | $2K | 7.10% |
| DIMARIA, DAVID J3 | 130 N BRAND BLVD STE 310 GLENDALE, CA 91203 | BLUE SHIELD OF CALIFORNIA | $770 | — | $770 | 3.00% |
| MARTIN J WOLFF & CO INC INS AGENTS3 Filed as: MARTIN J. WOLFF CO., INC | 4311 WILSHIRE BLVD STE 412 LOS ANGELES, CA 900103713 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 7.00% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.66% |
| STANLEY S SCOTT3 | 355 S MARENGO AVE 408 PASADENA, CA 91101 | AFLAC | $957 | $54 | $1K | 6.69% |
| HOWARD FEIGENBAUM3 | 460 TEWELL DR HEMET, CA 92545 | AFLAC | $301 | — | $301 | 1.99% |
| DAVID WILLIAM ZIEGLER3 | 1 S FAIR OAKS AVE STE 200 PASADENA, CA 91105 | AFLAC | $208 | — | $208 | 1.38% |
| MARSHALL CHARLES MCDONALD3 | 415 DAVIDSON GATEWAY DR APT 7 DAVIDSON, NC 28036 | AFLAC | $133 | — | $133 | 0.88% |
| NILOUFAR TABAN-MOVAHEDI3 | 515 SOUTH FLOWER STREET SUITE 3210 LOS ANGELES, CA 90071 | AFLAC | $76 | — | $76 | 0.50% |
| ANTHONY M. MENDOZA3 Filed as: ANTHONY M MENDOZA | 1 S FAIR OAKS AVE STE 200 PASADENA, CA 91105 | AFLAC | $76 | — | $76 | 0.50% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BLVD STE 254 NORTHRIDGE, CA 91325 | AFLAC | $65 | — | $65 | 0.43% |
| DANIEL E ELLIS3 | 317 MARKET ST ROCKFORD, IL 61107 | AFLAC | $46 | $11 | $57 | 0.38% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 337 S ALMANSOR ST APT F ALHAMBRA, CA 91801 | AFLAC | $50 | — | $50 | 0.33% |
| DAWN A CHRISTENSEN3 | 24516 APPLE ST NEWHALL, CA 91321 | AFLAC | $37 | — | $37 | 0.24% |
| ELIZABETH A LENZO3 | 1840 VIA DEL REY SOUTH PASADENA, CA 91030 | AFLAC | $24 | $11 | $35 | 0.23% |
| ANNETTE L. BURNS3 Filed as: ANNETTE L BURNS | 28303 BRYCE DR CASTAIC, CA 91384 | AFLAC | $30 | — | $30 | 0.20% |
| DANIEL E ELLIS3 | 377 E BUTTERFIELD RD STE 210 LOMBARD, IL 60148 | AFLAC | $29 | — | $29 | 0.19% |
| ELIZABETH A LENZO3 | 11177 JASMINE DR ROSCOE, IL 61073 | AFLAC | $21 | — | $21 | 0.14% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $15 | — | $15 | 0.10% |
| TODD V MASON3 | 6164 LAWRENCE ST CYPRESS, CA 90630 | AFLAC | $12 | — | $12 | 0.08% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $10 | — | $10 | 0.07% |
| TEGNER MILLER INS BROKER3 | PO BOX 511 SANTA MONICA, CA 90406 | AFLAC | $9 | — | $9 | 0.06% |
| HENRY SAUCEDA3 | 2268 ALPHA CIR LA VERNE, CA 91750 | AFLAC | $4 | — | $4 | 0.03% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | PO BOX 511 SANTA MONICA, CA 90406 | AFLAC | $3 | — | $3 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $2 | — | $2 | 0.01% |
| LARA K GRANDE3 | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $2 | — | $2 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 3201 WILSHIRE BLVD SUITE 102 SANTA MONICA, CA 90403 | AFLAC | $1 | — | $1 | 0.01% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | — | $1 | 0.01% |
| PHILIP F KELLY3 | 22343 LA PALMA AVE #127 YORBA LINDA, CA 92887 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 10.00% |
| ACRISURE LLC3 | 28341 HOOVER ROAD WARREN, MI 48093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $473 | $2K | 14.85% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 0.23% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | PO BOX 3505 LITTLE ROCK, AR 722033505 | HUMANA INSURANCE COMPANY | — | $1K | $1K | 11.22% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HEAD CAPITAL | 2840 HILLCREEK DRIVE AUGUSTA, GA 309095628 | HUMANA INSURANCE COMPANY | $999 | — | $999 | 9.96% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ACHS INSURANCE | 2840 HILLCREEK DRIVE AUGUSTA, GA 309095628 | HUMANA INSURANCE COMPANY | — | $379 | $379 | 3.78% |
| MARTIN J WOLFF & CO INC INS AGENTS3 Filed as: MARTIN J. WOLFF & CO., INC | 4311 WILSHIRE BLVD. SUITE 412 LOS ANGELES, CA 90010 | CHOICE BUILDER | $917 | — | $917 | 9.25% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA SHOR | 1120 BRISTOL STREET COSTA MESA, CA 926265927 | HUMANA INSURANCE COMPANY | $1K | $262 | $1K | 15.20% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIC GROUP | 101 SUMMIT AVE STE 600 FORT WORTH, TX 76102 | UNITED CONCORDIA INSURANCE COMPANY | $971 | $73 | $1K | 11.87% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIC GROUP | 101 SUMMIT AVE STE 600 FORT WORTH, TX 76102 | UNITED CONCORDIA INSURANCE COMPANY | $971 | $73 | $1K | 11.87% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC. | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 076323107 | UNITEDHEALTHCARE INSURANCE COMPANY | $545 | — | $545 | 7.43% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC. | 50 BROADWAY STE 2 HAWTHORNE, NY 105321253 | UNITEDHEALTHCARE INSURANCE COMPANY | $337 | — | $337 | 4.59% |
| ASHTON BENEFITS3 Filed as: ASHTON BENEFITS CORP. | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 076323107 | UNITEDHEALTHCARE INSURANCE COMPANY | $129 | — | $129 | 1.76% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA SHOR | 1120 BRISTOL STREET COSTA MESA, CA 926265927 | HUMANADENTAL INSURANCE COMPANY | $586 | $238 | $824 | 13.31% |
| DAVID O CHRISTENSEN3 | 180 MCKNIGHT DRIVE LAGUNA BEACH, CA 92651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $708 | $137 | $845 | 13.75% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 1120 BRISTOL STREET COSTA MESA, CA 92626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $434 | — | $434 | 7.06% |
| MICHAEL F FAHEY III3 | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $68 | $223 | 3.63% |
| DAVID A. RACKLIFFE3 Filed as: DAVID A RACKLIFFE | 28450 EVENING BREEZE DR YORBALINDA, CA 92887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 2.83% |
| BRIAN YERVANT AKIAN3 | 503 SPRINGBROOK NORTH IRVINE, CA 92614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $27 | $127 | 2.07% |
| MIKE MCCORMICK3 | 7 MONSERRAT PL FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.13% |
| SHERRI BARHAM3 | 24694 PASEO DE TORONTO YORBA LINDA, CA 92887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| PHILIP F KELLY3 Filed as: PHILIP KELLY | 22343 LA PALMA AVE SUITE 127 YORBA LINDA, CA 92887 | KAISER FOUNDATION HEALTH PLAN INC | $413 | — | $413 | 7.07% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN INC | $257 | — | $257 | 4.40% |
| GARY NEAL3 | 11022 WINNERS CIRCLE STE 100 LOS ALAMITOS, CA 90720 | SAFEGUARD HEALTH PLANS INC | $207 | — | $207 | 4.83% |
| MARIBETH TENNISON3 | 3720 SOUTH SUSAN ST SUITE 200 SANATA ANA, CA 92704 | SAFEGUARD HEALTH PLANS INC | $166 | — | $166 | 3.87% |
| WHITTEN & ASSOCIATES WORKSITE3 Filed as: WHITTEN & ASSOCIATES | 419 EAST TENNESSEE STREET FLORENCE, AL 356305717 | DELTA DENTAL INSURANCE COMPANY | $182 | — | $182 | 9.97% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 | 16835 W BERNARDINO DR STE 212 SAN DIEGO, CA 92127 | VISION SERVICE PLAN | $174 | — | $174 | 9.99% |
| MARTIN J WOLFF & CO INC INS AGENTS3 Filed as: MARTIN J WOLFF & CO INC | 4311 WILSHIRE BLVD #412 LOS ANGELES, CA 90010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $214 | — | $214 | 15.00% |
| MARTIN J WOLFF & CO INC INS AGENTS3 Filed as: MARTIN J WOLFF & CO INC | 4311 WILSHIRE BLVD #412 LOS ANGELES, CA 90010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $134 | — | $134 | 15.02% |
| GARY NEAL3 | 11022 WINNERS CIRCLE STE 100 LOS ALAMITOS, CA 90720 | SAFEGUARD HEALTH PLANS INC | $6 | — | $6 | 4.41% |
| MARIBETH TENNISON3 | 3720 SOUTH SUSAN ST SUITE 200 SANTA ANA, CA 92704 | SAFEGUARD HEALTH PLANS INC | $5 | — | $5 | 3.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. TPA | Contract Administrator Service code 13 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | $2.7M |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 TPA | Contract Administrator Service code 13 | — | $49K |
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 | 1,842 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(22 contracts, 13 carriers) | INDEPENDENCE BLUE CROSS | 66 | $2.8M |
| Dental(15 contracts, 11 carriers) | HEALTH NET | 60 | $513K |
| Vision(12 contracts, 8 carriers) | VISION SERVICE PLAN | 987 | $544K |
| Life insurance(11 contracts, 8 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,482 | $702K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 49 | $37K |
| Long-term disability(6 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,484 | $314K |
| Prescription drug(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 65 | $1.0M |
| Other(13 contracts, 10 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,482 | $844K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,484 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.