| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $65K | $2K | $67K | 5.92% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA HEALTHCARE OF CALIFORNIA LLC | $25K | — | $25K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 4.42% |
| L.B.L. INSURANCE SERVICES, INC.3 Filed as: L.B.L INSURANCE SERVICES, INC. | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $2K | $4K | 1.41% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA HEALTHCARE OF TEXAS, INC | $2K | — | $2K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.44% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC D/B/A | AHERN INSURANCE BROKERAGE 9655 GRANITE RIDGE DR STE 500 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | — | $551 | $551 | 1.53% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 3.87% |
| L.B.L. INSURANCE SERVICES, INC.3 Filed as: L.B.L INSURANCE SERVICES, INC. | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $230 | — | $230 | 0.82% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $1K | — | $1K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA HEALTHCARE OF FLORIDA, INC. | $388 | — | $388 | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA HEALTHCARE OF ARIZONA, INC. | $279 | — | $279 | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA HEALTHCARE OF TENNESSEE, INC | $116 | — | $116 | 4.98% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEATH OF TEXAS, INC. | $83 | — | $83 | 10.02% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $46 | — | $46 | 10.11% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $33 | — | $33 | 9.97% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $25 | — | $25 | 10.08% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $4 | — | $4 | 9.76% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 192 | $2.0M |
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 192 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 706 | $36K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 706 | $36K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 706 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.