| 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 | $52K | $3K | $55K | 4.80% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $6K | $9K | 9.19% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 10.54% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | VISION SERVICE PLAN | $802 | — | $802 | 7.03% |
| 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 | $436 | $24 | $460 | 4.80% |
| ACRISURE LLC4 Filed as: SULLIVAN CURTIS MONROE | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $536 | — | $536 | 6.99% |
| SALLIE HASSON4 | PO BOX 5262 SAN PEDRO, CA 90733 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $489 | — | $489 | 6.37% |
| DAWN FLEMING4 | 411 WALNUT ST, #12549 GREEN CV SPRINGS, FL 32043 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $187 | — | $187 | 2.44% |
| CHARLES J TAYLOR4 | 24476 TOLEDO LANE LAKE FOREST, CA 92630 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $38 | — | $38 | 0.50% |
| MARTIN BALL4 | 839 S BEACON STREET, UNIT 5253 SAN PEDRO, CA 90733 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $31 | — | $31 | 0.40% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 104 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 113 | $100K |
| Vision | VISION SERVICE PLAN | 87 | $11K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $53K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $43K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $43K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 104 | $1.1M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.