| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 100 OTTAWA AVE., SW GRAND RAPIDS, MI 49503 | CALIFORNIA PHYSICIANS' SERVICE | — | $185K | $185K | 5.26% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 85018 | CALIFORNIA PHYSICIANS' SERVICE | — | $36K | $36K | 1.04% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | DBA AHERN-ELT INSURANCE SVCS 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | PRINCIPAL LIFE INSURANCE COMPANY | $56K | — | $56K | 11.03% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 9909 MIRA MESA BLVD STE 160 SAN DIEGO, CA 92131 | PRINCIPAL LIFE INSURANCE COMPANY | — | $28K | $28K | 5.48% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PTR INS SVCS LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 2.92% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $9K | $9K | 1.86% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.46% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 16835 W BERNARDO STE 212 SAN DIEGO, CA 92127 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $8K | — | $8K | 4.10% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | D/B/A AHERN INSURANCE BROKERAGE 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 28.42% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.42% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PRT INS SVCS LLC | 611 ANTON BLVD STE 1400 COSTA MESA, CA 92626 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.44% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $334 | $334 | 0.92% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PRT INS SVCS LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | — | $62 | $62 | 0.17% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | D/B/A AHERN INSURANCE BROKERAGE 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 28.28% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.33% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PRT INS SVCS LLC | 611 ANTON BLVD STE 1400 COSTA MESA, CA 92626 | METROPOLITAN LIFE INSURANCE COMPANY | $853 | — | $853 | 2.89% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $266 | $266 | 0.90% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PRT INS SVCS LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43 | $43 | 0.15% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CENTER DR STE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | -$158 | -$39 | -$197 | -0.67% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | D/B/A AHERN INSURANCE BROKERAGE 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 28.67% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.33% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PRT INS SVCS LLC | 611 ANTON BLVD STE 1400 COSTA MESA, CA 92626 | METROPOLITAN LIFE INSURANCE COMPANY | $526 | — | $526 | 2.63% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1767 SENTRY PKWY W COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $178 | $178 | 0.89% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PRT INS SVCS LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.13% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CENTER DR STE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | -$100 | -$24 | -$124 | -0.62% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA AHERN INSURANCE BROKERAGE LLC 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 11.77% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 361 | $3.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 446 | $505K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 446 | $505K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 446 | $505K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 446 | $505K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 446 | $505K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 189 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.