| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | KAISER FOUNDATION HEALTH PLAN, INC. | $17K | $0 | $17K | 2.57% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 1.13% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $8K | 4.59% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.15% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $227 | $2K | 1.12% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.21% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER COMMNOS BREWSTER, NY 10509 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $930 | $930 | 2.76% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | PRINCIPAL LIFE INSURANCE COMPANY | $617 | — | $617 | 1.83% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $611 | $611 | 1.82% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $159 | $159 | 0.47% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | VISION SERVICE PLAN | $1K | — | $1K | 3.39% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | VISION SERVICE PLAN | $843 | — | $843 | 2.79% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.60% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 343 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 90 | $653K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 328 | $28K |
| Vision | VISION SERVICE PLAN | 199 | $30K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 343 | $206K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 343 | $172K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 343 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.