| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CA LLC | 16835 W BERNARDO SUITE 212 SAN DIEGO, CA 92127 | AETNA LIFE INSURANCE CO | $41K | — | $41K | 4.79% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA LLC | 16835 W BERNARDO SUITE 212 SAN DIEGO, CA 92127 | AETNA HEALTH INC | $20K | — | $20K | 4.86% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA LLC | 16835 W BERNARDO DR SUITE 212 SAN DIEGO, CA 92127 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 3.14% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN ELT EMPLOYEE BENEFITS LLC | 16835 W BERNARDO DR SUITE 212 SAN DIEGO, CA 92127 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 2.98% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA LLC | 16835 W BERNARDO DR SUITE 212 SAN DIEGO, CA 92127 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 3.11% |
| AHERNELT3 | 16835 W BERNARDO DR SUITE 212 SAN DIEGO, CA 92127 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 3.05% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA LLC | 16835 W BERNARDO DR SUITE 212 SAN DIEGO, CA 92127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 18.15% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA LLC | 16835 W BERNARDO DR SUITE 212 SAN DIEGO, CA 92127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 18.58% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA LLC | 16835 W BERNARDO BLVD SAN DIEGO, CA 92127 | VISION SERVICE PLAN | $1K | — | $1K | 5.55% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 246 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO | 246 | $846K |
| Vision | VISION SERVICE PLAN | 121 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $114K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $79K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.