| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE | 1950 W CORPORATE WAY 1 ANAHEIM, CA 92801 | AETNA | $117K | $9K | $126K | 5.56% |
| ACRISURE LLC3 Filed as: ACRISURE | 1950 W CORPORATE WAY 1 ANAHEIM, CA 92801 | AETNA | — | $18K | $18K | 7.72% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 1950 W CORPORATE WAY 1 ANAHEIM, CA 92801 | ANTHEM BLUE CROSS | $7K | — | $7K | 10.00% |
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROAD, STE 100 SAN JOSE, CA 95119 | ANTHEM BLUE CROSS | -$26 | — | -$26 | -0.04% |
| ACRISURE LLC3 Filed as: ACRISURE | 1950 W CORPORATE WAY 1 ANAHEIM, CA 92801 | SUN LIFE | $4K | — | $4K | 10.70% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 346 | $2.3M |
| Dental | AETNA | 346 | $2.3M |
| Vision | ANTHEM BLUE CROSS | 249 | $71K |
| Life insurance | ANTHEM BLUE CROSS | 249 | $71K |
| Long-term disability | SUN LIFE | 106 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.