| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE CO. | $54K | — | $54K | 3.73% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.46% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | AETNA HEALTH, INC. | $43K | — | $43K | 3.64% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | AETNA HEALTH, INC. | $5K | — | $5K | 0.39% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 27.75% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $3K | $5K | 7.96% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 9.38% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $358 | — | $358 | 0.62% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $810 | — | $810 | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $659 | — | $659 | 9.20% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57 | — | $57 | 0.80% |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 512 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 355 | $60K |
| Vision | AETNA LIFE INSURANCE CO. | 512 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 512 | $1.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 50 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $58K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 512 | $2.6M |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 512 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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."
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.