| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | 2300 CONTRA COSTA BLVD SUITE 600 PLEASANT HILL, CA 94523 | BLUE CROSS OF CALIFORNIA | $50K | — | $50K | 2.97% |
| PE INSURANCE SERVICES LLC3 | 2121 N CALIFORNIA BLVD SUITE 1025 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | $10K | — | $10K | 0.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 2300 CONTRA COSTA BLVD SUITE 600 PLEASANT HILL, CA 94523 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $32 | $14K | 4.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HIGHWAY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.88% |
| PE INSURANCE SERVICES LLC | 750 BATTERY STREET FLOOR 6 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 2300 CONTRA COSTA BLVD SUITE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN,INC. | $7K | — | $7K | 3.42% |
| PE INSURANCE SERVICES LLC3 Filed as: PE INSURANCE SERVICES, LLC | 2121 N CALIFORNIA BLVD SUITE 1025 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN,INC. | $3K | — | $3K | 1.26% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 271 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $343K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $343K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $343K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $343K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $343K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.