| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT B. SUHR & COMPANY3 | 5300 STEVENS CREEK BLVD 3RD FLOOR SAN JOSE, CA 95129 | KAISER FOUNDATION HEALTH PLAN INC | $77K | — | $77K | 4.57% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5300 STEVENS CREEK BLVD 3RD FLOOR SAN JOSE, CA 95129 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 0.44% |
| SUHR RISK SERVICES3 | 5300 STEVENS CREEK BLVD 3RD FLOOR SAN JOSE, CA 95129 | DELTA DENTAL | $14K | — | $14K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 2301 ROSECRANS AVE STE 4130 EL SEGUNDO, CA 90245 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.07% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | DBA SUHR RISK SVCS 5300 STEVENS CREEK BLVD SUITE 300 SAN JOSE, CA 95129 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.13% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5300 STEVENS CREEK BLVD 3RD FLOOR SAN JOSE, CA 95129 | VISION SERVICE PLAN | $1K | — | $1K | 4.89% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 260 | $1.7M |
| Dental | DELTA DENTAL | 312 | $139K |
| Vision | VISION SERVICE PLAN | 141 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $90K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 260 | $1.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
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.