| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | KAISER FOUNDATION HEALTH PLAN, INC. | $44K | $0 | $44K | 4.97% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $11K | $38K | 5.63% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | DELTA DENTAL OF CALIFORNIA | $19K | $0 | $19K | 9.99% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.94% |
| TRACY BROUGHTON4 | 6 EDENDALE STREET LADERA RANCH, CA 92694 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $852 | $0 | $852 | 11.80% |
| NFP INSURANCE SERVICES INC4 Filed as: NFPCA | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $93 | $0 | $93 | 1.29% |
| W CRAIG HEPNER4 | 9 GAUCHO ROAD LADERA RANCH, CA 92694 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $36 | $0 | $36 | 0.50% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 86 | $886K |
| Dental | DELTA DENTAL OF CALIFORNIA | 377 | $188K |
| Vision | VISION SERVICE PLAN | 165 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $672K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $672K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $672K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 86 | $886K |
| Other(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 216 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.