| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | CALIFORNIA PHYSICIANS' SERVICE | $54K | — | $54K | 5.00% |
| CALNONPROFITS INSURANCE SERVICES3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | $15K | $21K | 14.53% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | P O BOX 640 CAPITOLA, CA 95010 | VISION SERVICE PLAN | $1K | — | $1K | 5.85% |
| CALNONPROFITS INSURANCE SERVICES3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | LANDMARK HEALTHPLAN | $1K | — | $1K | 9.99% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $829 | $126 | $955 | 10.84% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $152 | $1K | 17.14% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $474 | — | $474 | 9.66% |
| CHRISTOPHER THOMAS SMITH | P O BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 1.00% |
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 | 244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 283 | $1.2M |
| Vision | VISION SERVICE PLAN | 205 | $17K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 306 | $16K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 20 | $5K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 306 | $9K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 283 | $1.2M |
| Other(3 contracts, 2 carriers) | LANDMARK HEALTHPLAN | 306 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.