| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC Filed as: ACRISURE OF CALIFORNIA LLC | — | CIGNA | $78K | — | $78K | 12.51% |
| RYAN BEDROSIAN | — | CIGNA | $49K | $3K | $52K | 8.25% |
| ACRISURE LLC Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY 4TH FLOOR ALISO VIEJO, CA 92656 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72K | — | $72K | 15.46% |
| RYAN C BEDROSAIN Filed as: RYAN COLLIN BEDROSIAN | 39 MAIN STREET BELVEDERE TIBURON, CA 94920 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.37% |
| RONALD G. BEDROSIAN Filed as: RONALD G BEDROSIAN | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.02% |
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 | 262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 183 | $625K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $463K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $463K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $463K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $463K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.