| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | AETNA | $695K | — | $695K | 2.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LINCOLN NATIONAL LIFE | $7K | $10K | $17K | 1.77% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $8K | $8K | 0.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LINCOLN NATIONAL LIFE | $5K | $11K | $16K | 2.28% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $9K | $9K | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | AETNA | $14K | — | $14K | 2.21% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES, LL | — | VISION SERVICE PLAN | $9K | — | $9K | 3.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | VISION SERVICE PLAN | $4K | — | $4K | 1.41% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC | — | VISION SERVICE PLAN | $3K | — | $3K | 1.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LINCOLN NATIONAL LIFE | $28K | $4K | $31K | 12.96% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $3K | $3K | 1.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | ARAG INSURANCE COMPANY | $6K | — | $6K | 7.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX HEALTH INC. EIN 06-1593514 FSA ADM | Claims processing Service code 12 | — | $29K |
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 | 1,851 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 3,572 | $29.2M |
| Dental | AETNA | 3,572 | $29.2M |
| Vision | VISION SERVICE PLAN | 1,715 | $261K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE | 1,851 | $931K |
| Long-term disability | LINCOLN NATIONAL LIFE | 1,851 | $948K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 1,851 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,572 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.