| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT INSURANCE | UNKNOWN NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $145K | $0 | $145K | 15.41% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT INSURANCE | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $2K | $28K | 10.65% |
| BENEFITS AMERICA INS. SVCS., LLC3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 9.98% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT INS. SVCS. | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.43% |
| ACRISURE LLC3 Filed as: ORION RISK MGNT & INS. SVCS., INC. | 245 SOUTH LOS ROBLES AVENUE SUITE 400 PASADENA, CA 91101 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT INSURANCE | UNKNOWN NEWPORT BEACH, CA 92660 | CIGNA HEALTHCARE OF CALIFORNIA | $4K | $0 | $4K | 39.62% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 484 | $994K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $226K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 313 | $73K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $267K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $267K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $267K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 484 | $949K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.