| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3130 SOUTH HARBOR BOULEVARD SUITE 140 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $35K | $0 | $35K | 3.84% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 0.54% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY, 4TH FLOOR SUITE 140 ALISO VIEJO, CA 92656 | GUARDIAN | $9K | $9K | $18K | 10.17% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | GUARDIAN | $616 | $0 | $616 | 0.34% |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 127 | $918K |
| Dental | GUARDIAN | 362 | $179K |
| Vision | GUARDIAN | 362 | $179K |
| Life insurance | GUARDIAN | 362 | $179K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 127 | $918K |
| Other | GUARDIAN | 362 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.