| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 Filed as: L/P INSURANCE SERVICES, INC. | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | ANTHEM BLUE CROSS BLUE SHIELD | $26K | $0 | $26K | 2.40% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | ANTHEM BLUE CROSS BLUE SHIELD | $14K | $0 | $14K | 1.29% |
| LP INSURANCE SERVICES, INC.3 Filed as: L/P INSURANCE SERVICES, INC. | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | KAISER FOUNDATION HEALTH PLAN, INC | $27K | $0 | $27K | 2.53% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN, INC | $13K | $0 | $13K | 1.24% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS INS. SVCS., LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN, INC | $13K | $0 | $13K | 1.22% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE SERVICES, LLC | 3155 OLSEN DRIVE, SUITE 400 SAN JOSE, CA 95117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 3.05% |
| LP INSURANCE SERVICES, INC.3 Filed as: L/P INSURANCE SERVICES, LLC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.98% |
| PAYCOM PAYROLL LLC5 Filed as: PAYCOM PAYROLL, LLC | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.03% |
| LP INSURANCE SERVICES, INC.3 Filed as: L/P INSURANCE SERVICES, INC. | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.38% |
| LP INSURANCE SERVICES, INC.3 Filed as: L/P INSURANCE SERVICES, LLC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.84% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE SERVICES, LLC | 3155 OLSEN DRIVE, SUITE 400 SAN JOSE, CA 95117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $553 | $397 | $950 | 5.43% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 154 | $2.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $290K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $290K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $290K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $290K |
| Prescription drug | ANTHEM BLUE CROSS BLUE SHIELD | 154 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
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.