| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | AETNA | $138K | — | $138K | 5.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER | $43K | — | $43K | 3.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | DELTA DENTAL | $20K | — | $20K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $7K | $2K | $9K | 13.41% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $670 | $670 | 1.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $5K | $1K | $6K | 9.25% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $547 | $547 | 0.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | — | $835 | $835 | 2.04% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $348 | $348 | 0.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $3K | $805 | $4K | 10.81% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $335 | $335 | 0.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | RELIANCE STANDARD | $12K | — | $12K | 60.00% |
| TRACY L HOSTLER4 Filed as: TRACY B BROUGHTON | — | PRE-PAID LEGAL SERVICES INC | $787 | — | $787 | 11.72% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CA | — | PRE-PAID LEGAL SERVICES INC | $98 | — | $98 | 1.46% |
| W CRAIG HEPNER4 | — | PRE-PAID LEGAL SERVICES INC | $50 | — | $50 | 0.74% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA | 386 | $4.1M |
| Dental | DELTA DENTAL | 652 | $197K |
| Vision | AETNA | 386 | $2.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA | 252 | $106K |
| Short-term disability | UNITED OF OMAHA | 252 | $41K |
| Long-term disability | UNITED OF OMAHA | 252 | $64K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA | 252 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.