| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE SUITE A MENLO PARK, CA 94025 | AETNA LIFE INSURACE CO. | $33K | — | $33K | 3.10% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | PROCO INSURANCE SERVICES 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | AETNA LIFE INSURACE CO. | $19K | — | $19K | 1.75% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR STE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 3.14% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.63% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE SUITE A MENLO PARK, CA 94025 | AETNA HEALTH OF CALIFORNIA INC. | $6K | — | $6K | 3.12% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | PROCO INSURANCE SERVICES 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | AETNA HEALTH OF CALIFORNIA INC. | $3K | — | $3K | 1.67% |
| INTERNATIONAL PROINSURANCE SERVICES3 | PO BOX 2540 MENLO PARK, CA 94026 | UNION SECURITY INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE STE 100 MENLO PARK, CA 94025 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.48% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.12% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE STE 100 MENLO PARK, CA 94025 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.89% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFONIA LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | STANDARD INSURANCE COMPANY | $814 | — | $814 | 2.46% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE STE 100 MENLO PARK, CA 94025 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.10% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | STANDARD INSURANCE COMPANY | $734 | — | $734 | 2.78% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURACE CO. | 190 | $1.6M |
| Dental | UNION SECURITY INSURANCE COMPANY | 147 | $160K |
| Vision | UNION SECURITY INSURANCE COMPANY | 147 | $160K |
| Life insurance | STANDARD INSURANCE COMPANY | 141 | $33K |
| Short-term disability | STANDARD INSURANCE COMPANY | 141 | $26K |
| Long-term disability | STANDARD INSURANCE COMPANY | 141 | $45K |
| Prescription drug | AETNA LIFE INSURACE CO. | 190 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.