| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | CALIFORNIA PHYSICIANS' SERVICE | $64K | — | $64K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRAIRE CREEK DRIVE CALEDONIA, MI 49316 | KAISER | $38K | — | $38K | 4.93% |
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | FOUR EVER LIFE INSURANCE | $26K | $13K | $39K | 12.00% |
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | LINCOLN | $4K | — | $4K | 14.51% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | GUARDIAN | $6K | — | $6K | 26.45% |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 109 | $2.0M |
| Dental | GUARDIAN | 221 | $24K |
| Life insurance | LINCOLN | 45 | $27K |
| Short-term disability | LINCOLN | 45 | $27K |
| Long-term disability | LINCOLN | 45 | $27K |
| Other | FOUR EVER LIFE INSURANCE | 39 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.