| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | KAISER FOUNDATION HEALTH PLAN, INC. | $27K | $0 | $27K | 4.95% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | DELTA DENTAL OF CALIFORNIA | $17K | $0 | $17K | 8.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 600 PLEASANT HILL, CA 94523 | DELTA DENTAL OF CALIFORNIA | $4K | $0 | $4K | 1.78% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.91% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | VISION SERVICE PLAN | $2K | — | $2K | 8.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 600 PLEASANT HILL, CA 94523 | VISION SERVICE PLAN | $453 | — | $453 | 1.77% |
| TRACY BROUGHTON4 | 6 EDENDALE STREET LADERA RANCH, CA 92694 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $497 | — | $497 | 11.49% |
| NFP INSURANCE SERVICES INC4 Filed as: NFPCA | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $56 | — | $56 | 1.30% |
| MJ INSURANCE4 | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $32 | $0 | $32 | 0.74% |
| W CRAIG HEPNER4 Filed as: W. CRAIG HEPNER | 9 GAUCHO ROAD LADERA RANCH, CA 92694 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $20 | $0 | $20 | 0.46% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 84 | $542K |
| Dental | DELTA DENTAL OF CALIFORNIA | 391 | $205K |
| Vision | VISION SERVICE PLAN | 174 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $164K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $164K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $164K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 84 | $542K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.
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.