| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN BEDROSIAN3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | CALIFORNIA CHOICE | $79K | $0 | $79K | 4.96% |
| RONALD G. BEDROSIAN3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | CALIFORNIA CHOICE | $3K | $0 | $3K | 0.17% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA, LLC | UNKNOWN CITRUS HEIGHTS, CA 95621 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $37K | $0 | $37K | 13.29% |
| RYAN BEDROSIAN3 | UNKNOWN REDWOOD CITY, CA 94920 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | $17K | $36K | 12.85% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | UNKNOWN HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $21K | $21K | 7.56% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3 POLARIS WAY, 4TH FLOOR ALISO VIEJO, CA 92656 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.47% |
| RYAN C BEDROSAIN3 Filed as: RYAN COLLIN BEDROSIAN | 39 MAIN STREET BELVEDERE TIBURON, CA 94920 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.53% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $570 | $0 | $570 | 3.00% |
| RONALD G. BEDROSIAN3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $493 | $493 | 2.59% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS, LLC | UNKNOWN MILPITAS, CA 95035 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27 | $0 | $27 | 0.14% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 126 | $1.6M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $280K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $280K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $280K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $280K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $280K |
| Prescription drug | CALIFORNIA CHOICE | 126 | $1.6M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.