| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & CO INS BROKER, INC | — | KAISER FOUNDATION HEALTH PLAN INC | $60K | — | $60K | 5.36% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT B SUHR & CO INSURANCE BROKER | — | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 5.00% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & CO INS BROKER, INC | — | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 5.36% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & CO INS BROKERS | 5300 STEVENS CREEK BLVD SAN JOSE, CA 95129 | DELTA DENTAL | $3K | — | $3K | 4.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT B SHUR & CO INS BROKERS | — | DELTA DENTAL | $7K | — | $7K | 10.84% |
| ACRISURE LLC3 Filed as: ACRISURE DBA SUHR RISK SVCS OF CA | — | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 8.47% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & CO INS BROKERS DBA | SUHR RISK SVCS OF CA 5300 STEVENS CREEK BLVD STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 3.71% |
| ACRISURE LLC3 Filed as: ACRISURE DBA SUHR RISK SVCS OF CA | — | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 10.10% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & CO INS BROKERS DBA | SUHR RISK SVCS OF CA 5300 STEVENS CREEK BLVD STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $903 | — | $903 | 4.89% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK INS SRVCS OF CA | ACRISURE COMPANY 5300 STEVENS CREEK BLVD STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 35.24% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK INS SVCS OF CA | ACRISURE COMPANY 5300 STEVENS CREEK BLVD #300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 35.03% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK INS SVCS OF CA | ACRISURE CO 5300 STEVENS CREEK BLVD STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 35.01% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 245 | $2.6M |
| Dental(2 contracts) | DELTA DENTAL | 198 | $148K |
| Vision | UNION SECURITY INSURANCE COMPANY | 482 | $28K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 519 | $50K |
| Short-term disability(3 contracts) | UNION SECURITY INSURANCE COMPANY | 52 | $36K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 60 | $18K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 245 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.