| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 3470 MT DIABLO BLVD STE A 100 LAFAYETTE, CA 94549 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $94K | $16K | $110K | 7.41% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C.T. HELLMUTH & ASSOCIATES, INC. | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $108K | — | $108K | 7.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 EAST INDIAN SCHOOL RD #220 SCOTTSDALE, AZ 85251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 3470 MT DIABLOI BLVD STE A 100 LAFAYETTE, CA 94549 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $14K | $43K | 3.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 EAST INDIAN SCHOOL RD SCOTTSDALE, AZ 85251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 2.11% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 1.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MT DIABLO BLVD STE A 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 2.11% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 1.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 3470 MT DIABLO BLVD SUITE A 100 LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 12.49% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 9.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $990 | — | $990 | 1.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 3470 MT DIABLO BLVD STE A 100 LAFAYETTE, CA 94549 | METLIFE LEGAL PLANS | $2K | — | $2K | 6.09% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | METLIFE LEGAL PLANS | $1K | — | $1K | 3.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 3470 MT DIABLO BLVD STE A 100 LAFAYETTE, CA 94549 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $67 | $3K | 29.47% |
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 | 1,077 | 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) | 1,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 64 | $850K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 851 | $1.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 851 | $1.5M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,031 | $1.3M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,031 | $1.3M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,031 | $1.3M |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,077 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,077 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.