| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT B. SUHR & COMPANY INSURANCE3 | 5300 STEVENS CREEK BLVD SAN JOSE, CA 95129 | KAISER FOUNDATION HEALTH PLAN INC | $157K | — | $157K | 1.92% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK SERVICES OF CALIFORNIA | 5300 STEVENS CREEK BLVD SUITE 300 SAN JOSE, CA 95129 | SUTTER HEALTH PLAN | $37K | — | $37K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE DBA SUHR RISK SVCS OF CA | 5300 STEVENS CREEK BLVD 3RD FLOOR SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 7.60% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & COM INS BROKERS DBA | SUHR RISK SVCS 5300 STEVENS CREEK BLVD - STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 5.75% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK INS SERVICES OF | ACRISURE CO 5300 STEVENS CREEK BLVD - STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 9.76% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & CO INS BROKERS | DBA SUHR RISK SVCS OF 5300 STEVENS CREEK BLVD - STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 5.66% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B. SUHR & CO INS BROKERS | DBA SUHR RISK SVCS OF 5300 STEVEN CREEK BLVD - SUITE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 3.22% |
| ACRISURE LLC3 Filed as: ACRISURE DBA SUHR RISK SERVICES | — | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 2.37% |
| ACRISURE LLC3 Filed as: ACRISURE DBA SUHR RISK SVCS OF CA | 5300 STEVENS CREEK BLVD 3RD FLOOR SAN JOSE, CA 95129 | UDC DENTAL OF CALIFORNIA, INC | $3K | — | $3K | 5.88% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & COM INS BROKERS DBA | SUHR RISK SVCS 5300 STEVENS CREEK BLVD - STE 300 SAN JOSE, CA 95129 | UDC DENTAL OF CALIFORNIA, INC | $2K | — | $2K | 4.13% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK INS SERVICES OF CA | ACRISURE CO 5300 STEVENS CREEK BLVD - STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 13.70% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & CO INS BROKERS DBA | SUHR RISK SVCS OF 5300 STEVEN CREEK BLVD STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 4.80% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK INS SERVICES OF CA | ACRISURE CO 5300 STEVENS CREEK BLVD - STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 6.67% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & COM INS BROKERS DBA | SUHR RISK SVCS 5300 STEVENS CREEK BLVD - STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 6.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| E.B.A. & M. CORPORATION EIN 95-2881702 ADMINISTRATIVE SERVICES | Other fees; Claims processing Service code 12 | — | $110K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 ADMININSTRATIVE SERVICES | Other fees; Claims processing Service code 12 | — | $25K |
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 | 718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,565 | $8.9M |
| Dental | UDC DENTAL OF CALIFORNIA, INC | 185 | $47K |
| Vision | UNION SECURITY INSURANCE COMPANY | 287 | $50K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 840 | $104K |
| Prescription drug | SUTTER HEALTH PLAN | 169 | $737K |
| Other(3 contracts) | UNION SECURITY INSURANCE COMPANY | 229 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,565 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.