| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LBL INSURANCE SERVICES INC3 Filed as: LBL INSURANCE SERVICES | 3631 S HARBOR BLVD SUITE 200 LOS ALAMITOS, CA 90720 | ANTHEM BLUE CROSS BLUE SHIELD | $10K | — | $10K | 1.70% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | ANTHEM BLUE CROSS BLUE SHIELD | $9K | — | $9K | 1.65% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | ANTHEM BLUE CROSS BLUE SHIELD | $5K | — | $5K | 0.85% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 3631 S HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.89% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 3631 S HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 16.51% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 3631 S HARBOR BLVD SUITE 200 SANTA ANA, CA 92701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.02% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 129 | $988K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $45K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 54 | $22K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 129 | $988K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 54 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.