| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3110 E GUASTI ROAD SUITE 500 ONTARIO, CA 91761 | HEALTH NET | $39K | $0 | $39K | 4.98% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3110 E GUASTI ROAD SUITE 500 ONTARIO, CA 917611228 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 8.01% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 944023766 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3110 E GUASTI ROAD SUITE 500 ONTARIO, CA 917611228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $156 | $3K | 15.89% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3110 E GUASTI ROAD SUITE 500 ONTARIO, CA 917611228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $138 | $2K | 15.96% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3110 E GUASTI ROAD SUITE 500 ONTARIO, CA 917611228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $779 | $80 | $859 | 11.03% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3110 E GUASTI ROAD SUITE 500 ONTARIO, CA 917611228 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $766 | $73 | $839 | 10.95% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 128 | $787K |
| Dental | HUMANA INSURANCE COMPANY | 136 | $106K |
| Vision | HUMANA INSURANCE COMPANY | 136 | $106K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $32K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.