| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR. SUITE 100 MENLO PARK, CA 94025 | BLUE CROSS OF CALIFORNIA (G0200) | $29K | — | $29K | 2.82% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3905 BOHANNON DR. #B MENLO PARK, CA 94025 | BLUE CROSS OF CALIFORNIA (G0200) | $18K | — | $18K | 1.73% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR, STE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 3.25% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.66% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX CT JEFFERSON CITY, MO 65109 | GUARDIAN | $2K | $4K | $7K | 5.12% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | $4K | — | $4K | 3.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3925 BOHANNON DR. #100 MENLO PARK, CA 94025 | GUARDIAN | $3K | — | $3K | 2.23% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | GUARDIAN | $608 | — | $608 | 0.48% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR STE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 3.20% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN INC | $874 | — | $874 | 1.78% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA (G0200) | 153 | $1.5M |
| Dental | GUARDIAN | 138 | $128K |
| Vision | GUARDIAN | 138 | $128K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA (G0200) | 153 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.