| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $31K | — | $31K | 5.05% |
| 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 | $20K | — | $20K | 9.93% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 5.04% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.86% |
| 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 | — | $803 | $803 | 1.85% |
| JWC INSURANCE3 Filed as: JWC INSURANCE SERVICES INC | 22921 TRITON WAY STE 231 LAGUNA HILLS, CA 92653 | METROPOLITAN LIFE INSURANCE COMPANY | $57 | — | $57 | 0.13% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $2K | — | $2K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEATH OF TEXAS, INC. | $175 | — | $175 | 9.98% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $80 | — | $80 | 10.04% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $68 | — | $68 | 10.03% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $52 | — | $52 | 10.04% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALFORNIA LLC | 28202 CABOT ROAD STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $36 | — | $36 | 10.03% |
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 | 1,211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 107 | $673K |
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 234 | $222K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 898 | $43K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 898 | $43K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 898 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 898 | — |
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.