| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | BLUE CROSS OF CALIFORNIA | $138K | $24K | $162K | 5.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METROPOLITAN LIFE | $7K | $44 | $7K | 4.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LINCOLN NATIONAL | $11K | $981 | $12K | 16.37% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $789 | $789 | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LINCOLN NATIONAL | $5K | $486 | $6K | 16.40% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $398 | $398 | 1.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDIAN | $2K | $342 | $2K | 11.72% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | GUARDIAN | $709 | — | $709 | 3.56% |
| JOHN A. HOHMAN3 Filed as: JOHN A HOHMAN | — | LANDMARK HEALTHPLAN | $11 | — | $11 | 19.30% |
| JOHN A. HOHMAN3 Filed as: JOHN A HOHMAN | — | LANDMARK HEALTHPLAN | $9 | — | $9 | 20.93% |
| JOHN A. HOHMAN3 Filed as: JOHN A HOHMAN | — | LANDMARK HEALTHPLAN | $1 | — | $1 | 14.29% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 293 | $3.0M |
| Dental | METROPOLITAN LIFE | 353 | $147K |
| Vision | GUARDIAN | 155 | $20K |
| Life insurance | LINCOLN NATIONAL | 221 | $35K |
| Long-term disability | LINCOLN NATIONAL | 227 | $72K |
| Other | LINCOLN NATIONAL | 221 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.