| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA SHOREPOINT INSURANCE SERVICES 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | ANTHEM BLUE CROSS | $231K | — | $231K | 0.58% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA SHOREPOINT INSURANCE SERVICES 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | ANTHEM BLUE CROSS | $113K | — | $113K | 0.43% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3631 S HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $147K | — | $147K | 4.30% |
| ACRISURE LLC3 Filed as: ACRISUE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 3.42% |
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 | 16,761 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 328 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 17,089 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM BLUE CROSS | 3,943 | $66.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,296 | $377K |
| Vision | VISION SERVICE PLAN | 8,182 | $769K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,978 | $3.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,978 | $3.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,978 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,182 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.