| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PARTNERS INC | 4000 WESTERLY PLACE STE 100 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $13K | $34K | 1.92% |
| NPB FINANCIAL GROUP LLC3 | 3500 W OLIVE AVE THIRD FLOOR BURBANK, CA 91505 | METROPOLITAN LIFE INSURANCE COMPANY | $236K | — | $236K | 28.43% |
| INDEPENDENT FINANCIAL INSURANCE3 Filed as: INDEPENDENT FINANCIAL GROUP INC | 12671 HIGH BLUFF DR STE 200 SAN DIEGO, CA 92130 | METROPOLITAN LIFE INSURANCE COMPANY | $100K | — | $100K | 12.04% |
| HORNOR TOWNSEND & KENT INC3 | 600 DRESHER RD STE C1C HORSHAM, PA 19044 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | — | $35K | 4.17% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 611 ANTON BLVD STE 1400 COSTA MESA, CA 92626 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $8K | $27K | 3.21% |
| LBL INSURANCE SERVICES INC3 | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 2.51% |
| CHRISTOPHER WRBA3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 0.52% |
| OSAIC WEALTH INC3 | 18700 N HAYDEN RD STE 255 SCOTTSDALE, AZ 85255 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.31% |
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 | 652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 624 | $831K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 652 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 652 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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."
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.