| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 601 UNIVERSITY AVE, SUITE 250 SACRAMENTO, CA 95825 | CALIFORNIA CHOICE | $41K | — | $41K | 3.51% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | — | CALIFORNIA CHOICE | $31K | — | $31K | 2.66% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INSURA | 3155 OLSEN DR STE 400 SAN JOSE, CA 95117 | CALIFORNIA CHOICE | $17K | — | $17K | 1.49% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INS | 3155 OLSEN DR STE 400 SAN JOSE, CA 95117 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 5.32% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 601 UNIVERSITY AVE STE 250 SACRAMENTO, CA 95008 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $9K | 5.19% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.56% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $556 | $5K | 17.00% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 96 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $180K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $180K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $180K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $180K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $28K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.