| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALNONPROFITS INSURANCE SERVICES3 | P O BOX 640 CAPTIOLA, CA 95010 | SHARP HEALTH PLAN | $33K | — | $33K | 5.00% |
| CALNONPROFITS INSURANCE SERVICES3 | 1500 41ST AVENUE, SUITE 280 CAPTIOLA, CA 95010 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 4.78% |
| CALNONPROFITS INSURANCE SERVICES3 | 1500 41ST AVENUE, SUITE 280 CAPTIOLA, CA 95010 | MEDIEXCEL HEALTH PLAN | $2K | — | $2K | 7.00% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPTIOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $571 | $4K | 14.34% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPTIOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $342 | $3K | 16.89% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPTIOLA, CA 95010 | HUMANADENTAL INSURANCE COMPANY | $2K | — | $2K | 10.48% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 142 | $911K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 84 | $14K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 84 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $49K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $30K |
| Prescription drug(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 142 | $911K |
| Other(3 contracts, 2 carriers) | SHARP HEALTH PLAN | 143 | $706K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.