| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST | — | CALIFORNIACHOICE | $38K | — | $38K | 4.80% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | — | CALIFORNIACHOICE | $17K | — | $17K | 2.22% |
| KLEINBERG BENEFITS INC3 Filed as: KLEINBERG BNFTS INC INS SVCS | — | CALIFORNIACHOICE | $2K | — | $2K | 0.20% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 910 HAMILTON AVE CAMPBELL, CA 95008 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 9.18% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVE CAMPBELL, CA 95008 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $904 | — | $904 | 9.00% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 79 | $783K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $61K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.