| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INS | SERVICES 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN INC | $48K | — | $48K | 4.04% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 2.20% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 7.46% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES | 900 E HAMILTON AVE, STE 500 CAMPBELL, CA 95008 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 2.54% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST | 2700 ZANKER ROAD SUITE 150 SAN JOSE, CA 95134 | GUARDIAN | $2K | $954 | $3K | 15.37% |
| ACRISURE LLC3 Filed as: ACRISURE WEST INSURANCE SERVICES | 3155 OLSEN DR STE 400 SAN JOSE, CA 95117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $452 | $2K | 13.47% |
| NICOLE ROSENBAUM3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | LANDMARK HEALTHPLAN | $1K | — | $1K | 10.00% |
| NATHALIE MCMANAMON3 | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | LANDMARK HEALTHPLAN | $1K | — | $1K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INS | SERVICES 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 11.69% |
| ACRISURE LLC3 Filed as: ACRISURE WEST INSURANCE | SERVICES 3155 OLSEN DR, STE 400 SAN JOSE, CA 95117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $784 | $266 | $1K | 13.39% |
| FILICE INSURANCE AGENCY3 | 738 NORTH 1ST STREET SAN JOSE, CA 95112 | HEALTHIEST YOU | $345 | — | $345 | 7.86% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INS | SERVICES 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HEALTHIEST YOU | $314 | — | $314 | 7.15% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 122 | $1.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 126 | $87K |
| Vision | DELTA DENTAL OF CALIFORNIA | 113 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $13K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 139 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
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.