| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | BLUE CROSS OF CALIFORNIA | $58K | — | $58K | 4.59% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | — | COLONIAL LIFE | $2K | $538 | $3K | 10.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | COLONIAL LIFE | $2K | — | $2K | 8.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $4K | $769 | $5K | 17.84% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | UNITED OF OMAHA | — | $2K | $2K | 6.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $320 | $320 | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $4K | $612 | $4K | 17.58% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | UNITED OF OMAHA | — | $1K | $1K | 6.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $255 | $255 | 1.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $1K | $44 | $1K | 6.91% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | METLIFE | $712 | — | $712 | 3.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $1K | $259 | $2K | 17.60% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | UNITED OF OMAHA | — | $597 | $597 | 6.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $108 | $108 | 1.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $257 | — | $257 | 6.64% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | METLIFE | $129 | — | $129 | 3.33% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 159 | $1.3M |
| Dental(2 contracts) | METLIFE | 264 | $25K |
| Vision | METLIFE | 264 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 240 | $37K |
| Long-term disability | UNITED OF OMAHA | 240 | $24K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE | 240 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.