| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADSH INVESTMENTS3 Filed as: ADSH INVESTMENTS II, INC. | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | CALIFORNIA PHYSICIANS SERVICE | — | $56K | $56K | 2.98% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | CALIFORNIA PHYSICIANS SERVICE | — | $35K | $35K | 1.84% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | DELTA DENTAL OF CALIFORNIA | $15K | — | $15K | 6.80% |
| ADSH INVESTMENTS3 | 23716 BIRTCHER DIRVE LAKE FOREST, CA 92630 | DELTA DENTAL OF CALIFORNIA | $5K | — | $5K | 2.34% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 7.37% |
| ADSH INVESTMENTS3 | 23716 BIRTCHER DIRVE LAKE FOREST, CA 92630 | DELTA DENTAL OF CALIFORNIA | $769 | — | $769 | 2.63% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.04% |
| BENEFITS MATCHMAKING LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $255 | $255 | 0.96% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $628 | $628 | 4.08% |
| BENEFITS MATCHMAKING LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $142 | $142 | 0.92% |
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 | 466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 234 | $1.9M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 196 | $255K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 431 | $29K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 466 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $27K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 234 | $1.9M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 466 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.