| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | BLUE CROSS OF CALIFORNIA | $35K | — | $35K | 3.44% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | BLUE CROSS OF CALIFORNIA | $10K | — | $10K | 0.96% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $27 | $19K | 8.89% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 6.48% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 4.34% |
| VITA ENROLLMENT SOLUTIONS LLC3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $900 | $10K | 14.70% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $27 | $6K | 9.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET WOODRIDGE, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $665 | $4K | 6.39% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $234 | $3K | 5.04% |
| VITA ENROLLMENT SOLUTIONS LLC3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $413 | $5K | 14.71% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $27 | $3K | 7.52% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $319 | $2K | 5.93% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $176 | $2K | 5.50% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | SAFEGUARD HEALTH PLANS, INC. | $2K | — | $2K | 8.17% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | SAFEGUARD HEALTH PLANS, INC. | $748 | $94 | $842 | 4.48% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 229 | $1.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $230K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $212K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $212K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $212K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 179 | $1.0M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.