| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LBL INSURANCE SERVICES INC3 | 3631 S HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | BLUE CROSS OF CALIFORNIA | $132K | — | $132K | 2.08% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | BLUE CROSS OF CALIFORNIA | $81K | — | $81K | 1.27% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 3631 S HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $29K | — | $29K | 3.59% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $46 | $13K | 2.78% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | AHERN INSURANCE BROKERAGE 9655 GRANITE RIDGE DR, STE 500 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.87% |
| LBL INSURANCE SERVICES INC3 | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.34% |
| LBL INSURANCE SERVICES INC3 Filed as: LBL INSURANCE SERVICES | 3631 S HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $290 | — | $290 | 1.74% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $457 | — | $457 | 9.20% |
| LBL INSURANCE SERVICES INC3 | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $42 | — | $42 | 0.85% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | AHERN INSURANCE BROKERAGE 9655 GRANITE RIDGE DR, STE 500 SAN DIEGO, CA 92123 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $42 | $42 | 0.85% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 169 | $7.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 799 | $478K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 799 | $473K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 169 | $7.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 799 | $476K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 799 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.