| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | GUARDIAN | $15K | — | $15K | 10.24% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC DBA BRA | KKE-SCHARNITZ INSURANCE BROKERS,LLC 28202 CABOT RD STE#600 LAGUNA NIGEL, CA 92677 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.88% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA,LLC DBA BRAK | KE-SCHAFNITZ INSURANCE BROKERS, LLC 28202 CABOT RD., STE#600 LAGUNA NGIEL, CA 92677 | AETNA HEALTH, INC. | $53K | — | $53K | — |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 264 | $0 |
| Dental | GUARDIAN | 145 | $150K |
| Vision | GUARDIAN | 145 | $150K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 145 | $246K |
| Other | GUARDIAN | 145 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.