| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | UNITED HEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 3.41% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | KAISER FOUNDATION HEALTH PLAN INC. | $17K | — | $17K | 2.99% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.56% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.54% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $247 | $247 | 0.40% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | VISION SERVICE PLAN | $767 | — | $767 | 5.01% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 256 | $2.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 152 | $113K |
| Vision | VISION SERVICE PLAN | 127 | $15K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,306 | $299K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,990 | $61K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,169 | $235K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 67 | $585K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,306 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,990 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.