| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 2.99% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | DELTA DENTAL OF CALIFORNIA | $7K | — | $7K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $397 | $397 | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $180 | $180 | 0.23% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $279 | $279 | 0.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $119 | $119 | 0.17% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | VISION SERVICE PLAN | $884 | — | $884 | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $66 | $66 | 0.55% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 88 | $611K |
| Dental | DELTA DENTAL OF CALIFORNIA | 153 | $130K |
| Vision | VISION SERVICE PLAN | 121 | $18K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 252 | $79K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $12K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $68K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 88 | $611K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 252 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.