| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART YOUNG INSURANCE AGENCY3 | 415 CAMBRIDGE AVE. PALO ALTO, CA 94306 | UNITEDHEALTHCARE INSURANCE COMPANY | $100K | — | $100K | 2.67% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 5300 STEVENS CREEK BLVD., FL 3 SAN JOSE, CA 95129 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | — | $50K | 1.33% |
| AMWINS3 Filed as: LISI INC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 1.00% |
| AMWINS3 Filed as: LISI INSURANCE SERVICES INC | 1600 W. HILLSDALE BLVD. STE. 201 SAN MATEO, CA 94402 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 4.96% |
| ART YOUNG INSURANCE AGENCY3 Filed as: ART YOUNG INS AGENCY | 415 CAMBRIDGE AVE. STE. 6 PALO ALTO, CA 94306 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 3.16% |
| SUHR RISK SERVICES3 Filed as: SUHR ROBERT B & COMPANY | INSURANCE BROKERS INC 5300 STEVENS CREEK BLVD., #3 FL SAN JOSE, CA 95129 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.88% |
| ART YOUNG INSURANCE AGENCY3 | 2443 ASH ST. #E PALO ALTO, CA 94306 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $7K | — | $7K | 6.34% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $3K | — | $3K | 2.66% |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 391 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,408 | $310K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,408 | $310K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 355 | $109K |
| Long-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 355 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,408 | — |
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."
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.