| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3333 CONCOURS SUITE 5100 ONTARIO, CA 91764 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $7K | $7K | 13.03% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3110 E GUASTI ROAD SUITE 500 ONTARIO, CA 917611228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $125 | $2K | 15.87% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3110 E GUASTI ROAD SUITE 500 ONTARIO, CA 917611228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $128 | $2K | 15.92% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3110 E GUASTI ROAD SUITE 500 ONTARIO, CA 917611228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $862 | $63 | $925 | 10.74% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3110 E GUASTI ROAD SUITE 500 ONTARIO, CA 917611228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $756 | $67 | $823 | 10.88% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 0 | $51K |
| Dental | HUMANA INSURANCE COMPANY | 101 | $105K |
| Vision | HUMANA INSURANCE COMPANY | 101 | $105K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $28K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.