| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | CALIFORNIA PHYSICIANS' SERVICE | $145K | — | $145K | 2.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CALIF | 4250 EXECUTIVE SQUARE STE 250 LA JOLA, CA 92037 | CALIFORNIA PHYSICIANS' SERVICE | $118K | $4K | $123K | 1.92% |
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SER | 3925 BOHANNON DR STE 100 MENLO PARK, CA 94025 | CALIFORNIA PHYSICIANS' SERVICE | $56K | — | $56K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | OF CALIFORNIA, INC. 2055 GATEWAY PL STE 450 SAN JOSE, CA 95110 | KAISER FOUNDATION HEALTH PLAN INC | $58K | — | $58K | 1.87% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN INC | $55K | — | $55K | 1.77% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR SE STE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 0.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF | CALIFORNIA INC PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $92 | $24K | 2.53% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3925 BOHANNON DR STE 100 MENLO PARK, CA 94025 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $46 | $16K | 1.68% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR STE 100 MENLO PARK, CA 94025 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 1.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF | CALIFORNIA INC PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 0.99% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA AHERN INSURANCE BROKERAGE 9655 GRANITE RIDGE DR STE 500 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.41% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 504 REDWOOD BLVD SUITE 240 NOVATO, CA 94947 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 100003 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.86% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $332 | $332 | 0.08% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3925 BOHANNON DR STE 100 MENLO PARK, CA 94025 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $529 | — | $529 | 3.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF | CALIFORNIA INC PO BOX 101162 PASADENA, CA 91189 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $495 | — | $495 | 3.21% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR STE 100 MENLO PARK, CA 94025 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $204 | $38 | $242 | 1.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF | CALIFORNIA INC PO BOX 101162 PASADENA, CA 91189 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $116 | $116 | 0.75% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA AHERN INSURANCE BROKERAGE 9655 GRANITE RIDGE DR STE 500 SAN DIEGO, CA 92123 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $89 | $89 | 0.58% |
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 | 948 | 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) | 948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 1,189 | $9.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,738 | $977K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,738 | $962K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 948 | $439K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 948 | $439K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 948 | $439K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 1,189 | $9.5M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 948 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,738 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.