| 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 A100 LAFAYETTE, CA 945493958 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 3.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 WEST MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | EYEMED VISION CARE | $9K | — | $9K | 7.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 WEST MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | HMO ILLINOIS | $5K | — | $5K | 4.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $764K |
| NFP CORPORATE SERVICES (IL) INC. EIN 13-4090309 BROKER | Other commissions Service code 55 | — | $82K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS ADMINISTRATOR | Participant communication; Non-monetary compensation; Float revenue; Other services; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $46K |
| BENEFLEX HR RESOURCES, INC. EIN 26-4445781 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
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 | 1,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 46 | $519K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 160 | $46K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 1,645 | $207K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 915 | $371K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 160 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,645 | — |
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."
No prospect flags tripped on this filing.