| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS | 701 SOUTH PARKER SUITE 8000 ORANGE, CA 92868 | CALIFORNIACHOICE | $64K | — | $64K | 4.36% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INSURA | — | CALIFORNIACHOICE | $44K | — | $44K | 2.95% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3 POLARIS WAY 4TH FLOOR ALISO VEIJO, CA 92656 | CALIFORNIACHOICE | $30K | — | $30K | 2.05% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY 4TH FLOOR ALISO VIEJO, CA 92656 | GUARDIAN | $12K | $3K | $15K | 9.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENURE SUITE 1200 DALLAS, TX 75201 | GUARDIAN | — | $61 | $61 | 0.04% |
| MERITAIN HEALTH3 Filed as: AETNA BEHAVIORAL HEALTH, LLC | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | AETNA BEHAVIORAL HEALTH, LLC | — | $95 | $95 | — |
| HEALTH AND HUMAN RESOURCE CENTER3 Filed as: HEALTH AND HUMAN RESOURCES CENTER | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | HEALTH AND HUMAN RESOURCE CENTER, INC. | — | $4K | $4K | — |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 169 | $1.5M |
| Dental | GUARDIAN | 210 | $164K |
| Vision | GUARDIAN | 210 | $164K |
| Life insurance | GUARDIAN | 210 | $164K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 267 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.