| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | GUARDIAN LIFE INSURANCE COMPANY | $44K | $10K | $54K | 4.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $16K | $60K | 5.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULVARD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN | $19K | — | $19K | 3.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 21.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BLVD STE A100 LAFAYETTE, CA 94549 | METROPLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 29.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $352K |
| NFP CA INSURANCE SERVICES EIN 94-2741175 BROKER | Insurance agents and brokers Service code 22 | — | $283K |
| AMERICAN BENEFITS GROUP EIN 04-3211632 FSA CLAIMS AND ADM | Claims processing Service code 12 | — | $19K |
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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN | 371 | $548K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 774 | $1.1M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 774 | $1.1M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 939 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 939 | $1.1M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 939 | $1.1M |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 941 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.