| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST | 3155 OLSEN DRIVE SAN JOSE, CA 95117 | AETNA LIFE INSURANCE CO. | $139K | — | $139K | 0.44% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 900 E HAMILTON AVENUE CAMPBELL, CA 95008 | AETNA LIFE INSURANCE CO. | $123K | — | $123K | 0.40% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN, INC. | $105K | — | $105K | 1.00% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 45.02% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $2K | $2K | 6.84% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 50.00% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 21.99% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $2K | $2K | 6.43% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $566 | — | $566 | 23.78% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $26 | $26 | 1.09% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 4.98% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 4.01% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $51 | $51 | 3.29% |
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 | 3,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,191 | $41.8M |
| Dental | AETNA LIFE INSURANCE CO. | 6,191 | $31.2M |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 3,018 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,018 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,018 | $1.3M |
| Other(6 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 2,699 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,191 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.