| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 100 STONY POINT ROAD, SUITE 160 SANTA ROSA, CA 95401 | CALIFORNIA PHYSICIANS SERVICE | $58K | — | $58K | 4.27% |
| VANTREO INSURANCE BROKERAGE3 | 100 STONY POINT ROAD, SUITE 160 SANTA ROSA, CA 95401 | CALIFORNIA PHYSICIANS SERVICE | $16K | — | $16K | 1.16% |
| VANTREO INSURANCE BROKERAGE3 | 100 STONY POINT ROAD, SUITE 160 SANTA ROSA, CA 95401 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 4.61% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 3.67% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 100 STONY POINT ROAD, SUITE 160 SANTA ROSA, CA 95401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $286 | $3K | 9.12% |
| VANTREO INSURANCE BROKERAGE3 | 100 STONY POINT ROAD, SUITE 160 SANTA ROSA, CA 95401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.75% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 100 STONY POINT ROAD, SUITE 160 SANTA ROSA, CA 95401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $257 | $2K | 8.46% |
| VANTREO INSURANCE BROKERAGE3 | 100 STONY POINT ROAD, SUITE 160 SANTA ROSA, CA 95401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $666 | — | $666 | 2.52% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 100 STONY POINT ROAD, SUITE 160 SANTA ROSA, CA 95401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $141 | $1K | 8.44% |
| VANTREO INSURANCE BROKERAGE3 | 100 STONY POINT ROAD, SUITE 160 SANTA ROSA, CA 95401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $375 | — | $375 | 2.51% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 100 STONY POINT ROAD, SUITE 160 SANTA ROSA, CA 95401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $105 | $1K | 12.04% |
| VANTREO INSURANCE BROKERAGE3 | 100 STONY POINT ROAD, SUITE 160 SANTA ROSA, CA 95401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $417 | — | $417 | 3.95% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 95 | $1.3M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 99 | $135K |
| Vision | VISION SERVICE PLAN | 99 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $29K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 95 | $1.3M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
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.