| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC DBA PRO | 910 E. HAMILTON AVENUE CAMPBELL, CA 95008 | AETNA LIFE INSURANCE CO. | $60K | $8K | $68K | 3.60% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST I | 3155 OLSEN DRIVE SAN JOSE, CA 95117 | AETNA LIFE INSURANCE CO. | $28K | — | $28K | 1.50% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 5.44% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 11.48% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 1615 MURRAY CANYON RD STE 1050 SAN DIEGO, CA 92108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.12% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.80% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST | 3155 OLSEN DRIVE SUITE 400 SAN JOSE, CA 95117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 16.09% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST | ATTN ACRISURE WEST COAST INSU 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $981 | $3K | 16.12% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INSURA | 990 E HAMILTON AVE SUITE 500 CAMPBELL, CA 95008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $185 | — | $185 | 10.03% |
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 | 68 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 71 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 166 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 350 | $165K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 350 | $165K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $93K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $75K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.