| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 26457 SANTA ANA, CA 92799 | KAISER FOUNDATION HEALTH PLAN INC. | $50K | — | $50K | 2.78% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC. | $27K | — | $27K | 1.51% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 11.71% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.89% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 26457 SANTA ANA, CA 92799 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | — | $2K | 5.88% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 1800 QUAIL ST SUITE 110 NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.52% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $802 | $802 | 2.61% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $697 | — | $697 | 2.27% |
| PACIFIC ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $91 | — | $91 | 0.30% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 26457 SANTA ANA, CA 92799 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 5.65% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 4.35% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP BENEFITS & INS SVC | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | KAISER PERMANENTE | $833 | — | $833 | 3.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN INC | 701 S PARKER ST 8TH FL ORANGE, CA 92868 | KAISER PERMANENTE | $367 | — | $367 | 1.59% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | KAISER PERMANENTE | $325 | — | $325 | 1.40% |
| CENTENNIAL GROUP BENEFITS3 | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | KAISER PERMANENTE | $167 | — | $167 | 0.72% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP BENEFITS & INS SVC | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | HEALTH NET | $538 | — | $538 | 3.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN INC | 701 S PARKER ST 8TH FL ORANGE, CA 92868 | HEALTH NET | $467 | — | $467 | 3.25% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | HEALTH NET | $179 | — | $179 | 1.25% |
| CENTENNIAL GROUP BENEFITS3 | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | HEALTH NET | $108 | — | $108 | 0.75% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP BENEFITS & INS SVC | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | ANTHEM BLUE CROSS | $295 | — | $295 | 3.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN INC | 701 S PARKER ST 8TH FL ORANGE, CA 92868 | ANTHEM BLUE CROSS | $256 | — | $256 | 3.25% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | ANTHEM BLUE CROSS | $98 | — | $98 | 1.24% |
| CENTENNIAL GROUP BENEFITS3 | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | ANTHEM BLUE CROSS | $59 | — | $59 | 0.75% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 360 | $1.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 181 | $30K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 472 | $36K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $154K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $154K |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 360 | $1.8M |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.