| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | CALIFORNIACHOICE | $120K | — | $120K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CALIFORNIACHOICE | $43K | — | $43K | 1.77% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INSURA | 3155 OLSEN DR STE 400 SAN JOSE, CA 95117 | AMERITAS LIFE INSURANCE CORP | $22K | — | $22K | 9.09% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA BEDROSIAN INSURANCE SERVICES PO BOX 1788 GRAND RAPIDS, MI 49501 | AMERITAS LIFE INSURANCE CORP | $20K | — | $20K | 8.10% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | ATTN BEDROSIAN INS SERVICES PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 28.17% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | ATTN BEDROSIAN INS SERVICES PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 21.12% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | ATTN BEDROSIAN INS SERVICES PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 19.99% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | ATTN BEDROSIAN INS SERVICES PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 20.98% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEDROSIAN INSURANC | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $760 | — | $760 | 41.94% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEDROSIAN | INSURANCE SERVICES PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $669 | — | $669 | 54.43% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEDROSIAN INSURANC | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $451 | — | $451 | 43.20% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEDROSIAN | INSURANCE SERVICES PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | — |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 273 | $2.4M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 640 | $246K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 640 | $246K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 408 | $47K |
| Short-term disability | STANDARD INSURANCE COMPANY | 167 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 109 | $42K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.