| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | PROCO INS 2055 WOODSIDE RD, STE 290 REDWOOD CITY, CA 94061 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 1.14% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | PROCO INS 2055 WOODSIDE RD, STE 290 REDWOOD CITY, CA 94061 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.14% |
| LEE C SCHEUER3 | 3925 BOHANNON DR. #A MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN OF NORTHWEST | $3K | — | $3K | 2.51% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVE STE 410 CAMPBELL, CA 95008 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 13.67% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9655 GRANITE RIDGE DR STE 500 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | — | $924 | $924 | 1.02% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | PROCO INS 2055 WOODSIDE RD, STE 290 REDWOOD CITY, CA 94061 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $689 | $689 | 1.14% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | PROCO INSURANCE SERVICES 2055 WOODSIDE RD, STE 290 REDWOOD CITY, CA 94061 | METLIFE LEGAL PLANS | $3K | — | $3K | 13.08% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA DBA | PROCO INSURANCE SERVICES 901 E. HAMILTON AVE, SUITE 410 CAMPBELL, CA 95008 | METLIFE LEGAL PLANS | $1K | — | $1K | 5.48% |
| LBL INSURANCE SERVICES INC3 Filed as: LBL INSURANCE SERVICES, INC. | 3631 S. HARBOR BLVD STE 200 SANTA ANA, CA 92704 | METLIFE LEGAL PLANS | — | $481 | $481 | 2.38% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | AHERN-ELT INS 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | METLIFE LEGAL PLANS | — | $5 | $5 | 0.02% |
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 | 571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 144 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 571 | $402K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 621 | $146K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 34 | $420K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 571 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.