| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC Filed as: ORION RISK MANAGEMENT | 2455 LOS ROBLES AVE SUITE 400 PASADENA, CA 91101 | ANTHEM BLUE CROSS AND BLUE SHIELD | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA | P.O. BOX 1469 SANTA BARBARA, CA 93102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA | P.O. BOX 1469 SANTA BARBARA, CA 93102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $496 | $496 | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA | P.O. BOX 1469 SANTA BARBARA, CA 93102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $30 | $30 | 0.05% |
| EMPATHIA PACIFIC INC. | 5234 CHESEBRO ROAD SUITE 201 AGOURA HILLS, CA 91301 | EMPATHIA PACIFIC INC | $0 | $0 | $0 | 0.00% |
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 | 1,162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 1,162 | $12.9M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 1,162 | $12.9M |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 1,162 | $12.9M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 1,282 | $13.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 796 | $264K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,272 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,282 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.