| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OBS INSURANCE SERVICES3 | 800 WILSHIRE BLVD STE 710 LOS ANGELES, CA 90017 | BLUE OF CALIFORNIA | $3K | $246K | $249K | 4.97% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | BLUE OF CALIFORNIA | $2K | $185K | $188K | 3.74% |
| DIMARIA, DAVID J3 | 130 N BRAND BLVD STE 310 GLENDALE, CA 91203 | BLUE OF CALIFORNIA | $109K | — | $109K | 2.17% |
| ONE BENEFIT SOURCE3 | 800 WILSHIRE BLVD STE 710 LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 3.13% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 1.87% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 1.20% |
| FLAHERTY, BARBARA A3 Filed as: FLAHERTY, BARBARA, ANNE | 800 WILSHIRE BLVD STE 710 LOS ANGELES, CA 90017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.44% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | LBL INSURANCE SERVICES LLC 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.43% |
| FLAHERTY, BARBARA A3 | 800 WILSHIRE BLVD STE 710 LOS ANGELES, CA 90017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 12.49% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.23% |
| FLAHERTY, BARBARA A3 | 800 WILSHIRE BLVD STE 710 LOS ANGELES, CA 90017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.91% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $64 | $1K | 7.09% |
| FLAHERTY, BARBARA A3 | 800 WILSHIRE BLVD STE 710 LOS ANGELES, CA 90017 | FIRST UNUM LIFE INSURANCE COMPANY | $52 | — | $52 | 11.69% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE OF CALIFORNIA | 695 | $5.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,042 | $1.2M |
| Vision | BLUE OF CALIFORNIA | 695 | $5.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $517K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $498K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $498K |
| Prescription drug | BLUE OF CALIFORNIA | 695 | $5.0M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,042 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.