| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | AETNA LIFE INSURANCE CO. | $70K | $14K | $84K | 5.18% |
| JAMES M KALMBACH3 | 807 CAMPHOR STREET NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 0.98% |
| JAMES M KALMBACH3 | 17880 SKYPARK CIR IRVINE, CA 92614 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.10% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | AETNA HEALTH OF CALIFORNIA INC. | $41K | — | $41K | 3.63% |
| JAMES M KALMBACH3 | 807 CAMPHOR STREET NEWPORT BEACH, CA 92660 | AETNA HEALTH OF CALIFORNIA INC. | $9K | — | $9K | 0.82% |
| JAMES M KALMBACH3 | 17880 SKYPARK CIR IRVINE, CA 92614 | AETNA HEALTH OF CALIFORNIA INC. | $1K | — | $1K | 0.09% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | BLUE CROSS OF CALIFORNIA | $15K | $3K | $18K | 9.24% |
| JAMES M KALMBACH3 | 807 CAMPHOR STREET IRVINE, CA 92660 | BLUE CROSS OF CALIFORNIA | $5K | — | $5K | 2.55% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | ANTHEM LIFE INSURANCE COMPANY | $869 | — | $869 | 6.73% |
| JAMES M KALMBACH3 | 3333 CAMINO DEL RIO S STE 215 SAN DIEGO, CA 92108 | ANTHEM LIFE INSURANCE COMPANY | $290 | — | $290 | 2.25% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $871 | $180 | $1K | 9.24% |
| JAMES M KALMBACH3 | 807 CAMPHOR STREET IRVINE, CA 92660 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $290 | — | $290 | 2.55% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 337 | $2.9M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 337 | $1.6M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 337 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 0 | $24K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 337 | $2.9M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 0 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
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.