| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC Filed as: ACCRISURE OF CALIFORNIA, LLC | 601 UNIVERSITY AVENUE SUITE 250 SACRAMENTO, CA 958256745 | CALIFORNIA CHOICE | $60K | — | $60K | 5.00% |
| ACRISURE LLC3 Filed as: ACCRISURE OF CALIFORNIA, LLC | 601 UNIVERSITY AVENUE SUITE 250 SACRAMENTO, CA 958256745 | HUMANA | $7K | $3K | $10K | 6.95% |
| ACRISURE LLC3 Filed as: ACCRISURE OF CALIFORNIA LLC | 601 UNIVERSITY AVE. SUITE 250 SACRAMENTO, CA 95825 | AMERICAN FIDELITY | $14K | — | $14K | 32.10% |
| CHIMIENTI & ASSOCIATES3 Filed as: CHIMIENTI & ASSOC. INS SVC | 3400 W MINERAL KING, B VISALIA, CA 93291 | AMERICAN FIDELITY | $3K | — | $3K | 6.95% |
| BARBARA A BULLION3 Filed as: BARBARA BULLION | 3486 E BOOT TRACK TR GILBERT, AZ 85296 | AMERICAN FIDELITY | $1K | — | $1K | 3.27% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA CHOICE | 102 | $1.2M |
| Dental | HUMANA | 124 | $145K |
| Vision | HUMANA | 124 | $145K |
| Life insurance | HUMANA | 124 | $145K |
| Short-term disability(2 contracts, 2 carriers) | HUMANA | 124 | $189K |
| Other | AMERICAN FIDELITY | 96 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.