| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2033 GATEWAY PL STE 150 SAN JOSE, CA 951103710 | KAISER FOUNDATION HEALTH PLAN INC | $36K | $13 | $36K | 4.00% |
| ACRISURE LLC3 | 2033 GATEWAY PL STE 150 SAN JOSE, CA 95110 | AFLAC | $8K | — | $8K | 10.06% |
| DANNY J LEON3 | 6096 INDIAN AVE SAN JOSE, CA 95123 | AFLAC | $3K | $102 | $3K | 4.56% |
| NICHOLAS J PISANO JR3 | 15781 CANON DR LOS GATOS, CA 95030 | AFLAC | $2K | $647 | $3K | 3.34% |
| DERREK LYN KECK3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $891 | $106 | $997 | 1.31% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS | 1021 TORRY CT ST JOHNS, FL 32259 | AFLAC | $953 | — | $953 | 1.25% |
| JAYSON C ROCHA3 | 3279 SOUTHERLAND RD WEST SACRAMENTO, CA 95691 | AFLAC | $887 | $9 | $896 | 1.18% |
| KAMALA J COBURN3 | 934 LONGWOOD LN SAN JOSE, CA 95129 | AFLAC | $584 | $105 | $689 | 0.90% |
| SLR INSURANCE SOLUTIONS INC3 | 179 PINE HAVEN DR ST JOHNS, FL 32259 | AFLAC | $546 | $14 | $560 | 0.73% |
| ARMANDO AYALA3 | 90 GREAT OAKS BLVD STE 103 SAN JOSE, CA 95119 | AFLAC | $436 | — | $436 | 0.57% |
| ARMANDO AYALA3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $219 | — | $219 | 0.29% |
| AMY E COHEN3 Filed as: AMY A PURVIS | 90 GREAT OAKS BLVD STE 103 SAN JOSE, CA 95119 | AFLAC | $191 | — | $191 | 0.25% |
| GARY LEE BOYER3 | 2900 FAIRVIEW RD SPC 41 HOLLISTER, CA 95023 | AFLAC | $97 | — | $97 | 0.13% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS | 3779 PEARL AVE SAN JOSE, CA 95136 | AFLAC | $43 | — | $43 | 0.06% |
| CHRIS C NESTER3 | 1610 PARK TRAIL DR HOLLISTER, CA 95023 | AFLAC | $28 | — | $28 | 0.04% |
| JULIANA L GOSCHY-STALIONS3 | 347 LOS PINOS WAY SAN JOSE, CA 95123 | AFLAC | $7 | — | $7 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2033 GATEWAY PL STE 150 SAN JOSE, CA 951103710 | VISION SERVICE PLAN | $1K | — | $1K | 5.33% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 255 | $893K |
| Vision | VISION SERVICE PLAN | 202 | $22K |
| Short-term disability | AFLAC | 70 | $76K |
| Other | AFLAC | 70 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.