| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | AETNA LIFE INSURANCE CO. | $54K | — | $54K | 5.02% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | AETNA HEALTH, INC. | $47K | $8K | $54K | 5.17% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | AETNA LIFE INSURANCE CO. | $6K | $11 | $6K | 5.36% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | AETNA HEALTH, INC. | $5K | — | $5K | 5.34% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 29.09% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $673 | — | $673 | 10.00% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 481 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $54K |
| Vision(2 contracts) | AETNA LIFE INSURANCE CO. | 481 | $1.2M |
| Life insurance(2 contracts) | AETNA LIFE INSURANCE CO. | 481 | $1.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $42K |
| Prescription drug(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 481 | $2.3M |
| Other(2 contracts) | AETNA LIFE INSURANCE CO. | 481 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.