| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | UNITED HEALTHCARE INSURANCE COMPANY | $160K | — | $160K | 4.72% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | KAISER FOUNDATION HEALTH PLAN INC. | $68K | $17 | $68K | 4.02% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | VISION SERVICE PLAN | $2K | — | $2K | 3.40% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 15.37% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 27.20% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 27.28% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 42.80% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 15.01% |
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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 912 | $5.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 912 | $3.4M |
| Vision | VISION SERVICE PLAN | 351 | $60K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 129 | $70K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 69 | $61K |
| Long-term disability(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 320 | $1.8M |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 912 | $5.1M |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 148 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 912 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.