| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | BLUE CROSS OF CALIFORNIA | $46K | — | $46K | 4.38% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $6K | $9K | 10.08% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 10.23% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | VISION SERVICE PLAN | $772 | — | $772 | 7.27% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $405 | — | $405 | 4.38% |
| SALLIE HASSON4 | PO BOX 5262 SAN PEDRO, CA 90733 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $640 | — | $640 | 8.80% |
| ACRISURE LLC4 Filed as: SULLIVAN CURTIS MONROE | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $337 | — | $337 | 4.63% |
| TETHYS INSTERNATIONAL LLC4 | 3322 DOMINCA COURT PUNTA GORDA, FL 33950 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $187 | — | $187 | 2.57% |
| CHARLES J TAYLOR4 | 24476 TOLEDO LANE LAKE FOREST, CA 92630 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $38 | — | $38 | 0.52% |
| MARTIN BALL4 | 839 S BEACON STREET, UNIT 5253 SAN PEDRO, CA 90733 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $31 | — | $31 | 0.43% |
| CARRIE WITTMAN4 | 25652 RIMGATE DRIVE, UNIT 2D LAKE FOREST, CA 92630 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $12 | — | $12 | 0.16% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | UNION SECURITY INSURANCE COMPANY | $993 | — | $993 | 15.00% |
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 | 115 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 100 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $90K |
| Vision | VISION SERVICE PLAN | 76 | $11K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 118 | $45K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 110 | $35K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 5 | $7K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 100 | $1.0M |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 118 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
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.