| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | THE LBL INS SERV 3130 S HARBOR BLVD, STE 140 SANTA ANA, CA 92704 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $262K | — | $262K | 8.52% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 318 E CARRUTH LN DOUBLE OAK, TX 75077 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $154K | $154K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY FL 4 ALISO VIEJO, CA 92656 | UNITEDHEALTHCARE OF CALIFORNIA | $179K | $221K | $400K | 17.50% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 318 E CARRUTH LN DOUBLE OAK, TX 75077 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $87K | $87K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA THE LBL INS SERV 3130 S HARBOR BLVD, STE 140 SANTA ANA, CA 92704 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 0.83% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3130 S HARBOR BLVD STE 140 SANTA ANA, CA 92704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 9.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 9.56% |
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 | 8,871 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE OF CALIFORNIA | 7,314 | $2.3M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 14,617 | $6.3M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,838 | $3.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,111 | $1.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 344 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,617 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.