| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $30K | — | $30K | 4.11% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN/ELT EMPLOYEE BENEFITS LLC | 16835 W BERNARDO DR, SUITE 212 SAN DIEGO, CA 92127 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 0.29% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 3.03% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 1.95% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 3.09% |
| 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 | 1.99% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 16835 W BERNARDO STE 212 SAN DIEGO, CA 92127 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 13.60% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN-ELT INSURANCE SERVICES LLC | 16835 W BERNANDO DR STE 212 SAN DIEGO, CA 92127 | UNION SECURITY INSURANCE COMPANY | $995 | — | $995 | 1.25% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 16835 W BERNARDO STE 212 SAN DIEGO, CA 92127 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 9.24% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN-ELT INSURANCE SERVICES LLC | 16835 W BERNARD DR STE 212 SAN DIEGO, CA 92127 | UNION SECURITY INSURANCE COMPANY | $534 | — | $534 | 0.76% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | STE 212 16835 W BERNARDO DR SAN DIEGO, CA 92127 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.41% |
| BOK FINANCIAL INSURANCE3 Filed as: LEE, EDWARD, BOK | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 0.72% |
| SALERNO, LUKE, ANTHONY3 | 6540 LUSK BLVD STE C-263 SAN DIEGO, CA 92121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 16835 W BERNARDO STE 212 SAN DIEGO, CA 92127 | UDC DENTAL OF CALIFORNIA, INC. | $741 | — | $741 | 7.48% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN-ELT INSURANCE SERVICES LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | UDC DENTAL OF CALIFORNIA, INC. | $52 | — | $52 | 0.52% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 105 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 67 | $81K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 128 | $79K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 128 | $79K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 128 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.