| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | KAISER | $11K | — | $11K | 1.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | — | $60 | $60 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | KAISER | $9K | — | $9K | 1.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | — | $60 | $60 | 0.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | — | $60 | $60 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | — | $60 | $60 | 0.15% |
| LEGAL BENEFITS STOLTZ LLC4 Filed as: LEGAL BENEFITS STOLTZ, LLC | — | LEGALSHIELD | $2K | — | $2K | 8.50% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CA INSURANCE SERVICES INC | — | LEGALSHIELD | $2K | — | $2K | 8.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 TPA | Claims processing Service code 12 | — | $575K |
| OPTUM, INC EIN 33-0441200 CLAIMS PROCESSING | Claims processing Service code 12 | — | $62K |
| WEX EIN 06-1593514 FSA TPA | Claims processing; Contract Administrator Service code 12 | — | $30K |
| UNUM EIN 01-0278678 TPA | Claims processing; Contract Administrator Service code 12 | — | $8K |
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 | 1,719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER | 271 | $1.3M |
| Dental | UNITEDHEALTHCARE | 803 | $789K |
| Vision | UNITEDHEALTHCARE | 803 | $74K |
| Life insurance | METLIFE | 1,719 | $559K |
| Short-term disability | METLIFE | 1,719 | $559K |
| Long-term disability | METLIFE | 1,719 | $559K |
| Prescription drug(2 contracts) | KAISER | 91 | $1.2M |
| Other(2 contracts, 2 carriers) | METLIFE | 1,719 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,719 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.