| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAND, MICHAEL3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | BLUE CROSS OF CALIFORNIA | $80K | $0 | $80K | 4.57% |
| MICHAEL HAND3 Filed as: MICHAEL DENNIS HAND | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | DELTA DENTAL OF CALIFORNIA | $12K | $0 | $12K | 10.00% |
| HAND, MICHAEL3 | 355 E RINCON ST STE 105 CORONA, CA 92879 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 8.71% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 8.63% |
| ASSURANCE AGENCY LTD3 Filed as: AMERIAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERIAN FIDELITY ASSURANCE COMPANY | $187 | $0 | $187 | 1.08% |
| MICHAEL D. HAND3 Filed as: MICHAEL HAND - BOR | 100 CORPORATE POINTE SUIT 210 CULVER CITY, CA 90230 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | $712 | $0 | $712 | 10.91% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PARTNERS INC | ATTN ACRISURE SOUTHWEST ACCOU 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $506 | $84 | $590 | 17.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $169 | $169 | 5.01% |
| HAND, MICHAEL3 | 355 E RINCON ST STE 105 CORONA, CA 92879 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $431 | $0 | $431 | 15.02% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $258 | $258 | 8.99% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PARTNERS INC | ATTN ACRISURE SOUTHWEST ACCOU 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $373 | $62 | $435 | 17.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $0 | $125 | $125 | 5.03% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PARTNERS INC | ATTN ACRISURE SOUTHWEST ACCOU 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $286 | $48 | $334 | 17.54% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $0 | $95 | $95 | 4.99% |
| HAND, MICHAEL3 | 355 E RINCON ST STE 105 CORONA, CA 92879 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64 | — | $64 | 15.02% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $38 | $38 | 8.92% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 218 | $1.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 408 | $119K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 207 | $7K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $58K |
| Short-term disability(2 contracts, 2 carriers) | AMERIAN FIDELITY ASSURANCE COMPANY | 30 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $55K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 218 | $1.8M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.