| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $374K | — | $374K | 1.08% |
| ACRISURE LLC3 Filed as: ACRSIURE OF CALIFORNIA | 3631 S HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 CONTRACT ADMINISTRATOR | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator Service code 12 | — | $1.3M |
| VITA ADMINISTRATION COMPANY EIN 95-1643381 SERVICE PROVIDER | Account maintenance fees; Contract Administrator; Direct payment from the plan Service code 13 | — | $243K |
| REACH EMPLOYEE ASSISTANCE INC EIN 33-0844014 SERVICE PROVIDER | Other fees; Participant communication Service code 38 | — | $141K |
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 | 8,299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 220 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 5,835 | $34.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6,934 | $293K |
| Vision | VISION SERVICE PLAN | 8,403 | $789K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,286 | $3.0M |
| Prescription drug | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 5,835 | $34.7M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,207 | $495K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,286 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,403 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.