| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD WALNUT, CA 91789 | CIGNA HEALTHCARE OF CALIFORNIA | $14K | — | $14K | 2.55% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | CIGNA HEALTHCARE OF CALIFORNIA | $10K | — | $10K | 1.76% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD WALNUT, CA 91789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 3.57% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 2.44% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.78% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD WALNUT, CA 91789 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.66% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1 S. FAIR OAKS AVE., SUITE 402 PASADENA, CA 91105 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $571 | $3K | 7.71% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD WALNUT, CA 91789 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.47% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 1 S. FAIR OAKS AVE., SUITE 402 PASADENA, CA 91105 | SAFEGUARD HEALTH PLANS, INC. | $2K | — | $2K | 9.73% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD WALNUT, CA 91789 | SAFEGUARD HEALTH PLANS, INC. | $420 | — | $420 | 2.61% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., 12TH FLOOR WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $545 | — | $545 | 3.42% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD WALNUT, CA 91789 | VISION SERVICE PLAN | $416 | — | $416 | 2.61% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD WALNUT, CA 91789 | HOLMAN FAMILY COUNSELING CENTERS | $752 | — | $752 | 5.00% |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 195 | $885K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $73K |
| Vision | VISION SERVICE PLAN | 124 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $35K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $35K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 195 | $885K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.