| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE SHIELD OF CALIFORNIA | $0 | $41K | $41K | 4.17% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA, LLC | ACRISURE OF CA, LLC LAKE FOREST, CA 92630 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $18K | $764 | $19K | 22.34% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICA INSURANCE COMPANY | $3K | $0 | $3K | 15.03% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN RD BADEN, PA 15005 | CONTINENTAL AMERICA INSURANCE COMPANY | $2K | $0 | $2K | 14.01% |
| JONATHAN DAVID BESWARICK3 | 250 ESTATES DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICA INSURANCE COMPANY | $411 | $0 | $411 | 2.34% |
| VICTOR NORDENFLYCHT-DARBY3 | 2459 N BRIGHTON ST BURBANK, CA 91504 | CONTINENTAL AMERICA INSURANCE COMPANY | $327 | $0 | $327 | 1.86% |
| HEATHER M BARTLEY3 | 602 BEAVER CT WEXFORD, PA 15090 | CONTINENTAL AMERICA INSURANCE COMPANY | $293 | $0 | $293 | 1.67% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $692 | $0 | $692 | 8.16% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 100 | $974K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 83 | $85K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 83 | $85K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $8K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 100 | $974K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICA INSURANCE COMPANY | 113 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.