| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & COMPANY BROKERS INC | 5300 STEVENS CREEK BLVD SAN JOSE, CA 95129 | KAISER FOUNDATION HEALTH PLAN INC | $52K | $4 | $52K | 5.01% |
| ROBERT B. SUHR & COMPANY3 | INSURANCE BROKER 5300 STEVENS CREEK BLVD 3RD FL SAN JOSE, CA 95129 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 5.43% |
| ACRISURE LLC3 Filed as: SHUR RISK INS SRVCS OF CA ACRISURE | 5300 STEVENS CREEK BLVD SUITE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 15.75% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK SERVICES OF CALIFORNIA | 5300 STEVENS CREEK BLVD SUITE 300 SAN JOSE, CA 95129 | EYEMED VISION CARE | $1K | — | $1K | 9.01% |
| ACRISURE LLC3 Filed as: SUHR RISK INS SRVCS OF CA ACRISURE | 5300 STEVENS CREEK BLVD SUITE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 25.17% |
| ACRISURE LLC3 Filed as: SUHR RISK INS SVCS OF CA ACRISURE | 5300 STEVENS CREEK BLVD SUITE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 17.61% |
| ACRISURE LLC3 Filed as: SUHR RISK INS SVCS OF CA ACRISURE | 5300 STEVENS CREEK BLVD SUITE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 37.12% |
| ACRISURE LLC3 Filed as: SUHR RISK INS SRVCS OF CA ACRISURE | 5300 STEVENS CREEK BLVD SUITE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 37.74% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 135 | $1.0M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 168 | $120K |
| Vision | EYEMED VISION CARE | 161 | $11K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 168 | $134K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 36 | $18K |
| Long-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 168 | $120K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 135 | $1.0M |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 23 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
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.