| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD 6TH FLOOR TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $215K | $115K | $330K | 4.87% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY, INC. | 100 SMITH RANCH ROAD, SUITE 340 SAN RAFAEL, CA 94903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | $18K | $90K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | 800 NORTH GLEBE ROAD ARLINGTON, VA 22203 | AETNA HEALTH OF CALIFORNIA INC. | $0 | $43 | $43 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3 POLARIS WAY, 4TH FLOOR ALISO VIEJO, GA 92656 | AETNA HEALTH OF CALIFORNIA INC. | $0 | $8 | $8 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 100 OTTAWA AVENUE GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124K | $0 | $124K | 25.02% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3 POLARIS WAY, 4TH FLOOR ALISO VIEJO, GA 92656 | METLIFE LEGAL PLANS | $12K | $0 | $12K | 8.54% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3130 SOUTH HARBOR BOULEVARD SUITE 140 SANTA ANA, CA 92704 | METLIFE LEGAL PLANS | $5K | $0 | $5K | 3.88% |
| LBL INSURANCE SERVICES INC3 Filed as: LBL INSURANCE SERVICES, INC. | 3631 SOUTH HARBOR BOULEVARD SUITE 200 SANTA ANA, CA 92704 | METLIFE LEGAL PLANS | $0 | $552 | $552 | 0.40% |
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 | 9,606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 5,675 | $34.6M |
| Vision | VISION SERVICE PLAN | 5,744 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,573 | $6.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,573 | $6.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,573 | $6.8M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 5,675 | $33.7M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,573 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,573 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.