| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN | $42K | — | $42K | 4.21% |
| COLT EMPLOYEE BENEFITS3 | P.O. BOX 30065 WALNUT CREEK, CA 94598 | KAISER FOUNDATION HEALTH PLAN | $12K | — | $12K | 1.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 3.32% |
| COLT EMPLOYEE BENEFITS3 | P.O.BOX 30065 WALNUT CREEK, CA 94598 | DELTA DENTAL OF CALIFORNIA | $670 | — | $670 | 0.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.73% |
| COLT EMPLOYEE BENEFIT INSURANCE3 | 3150 CROW CANYON PLACE 200 SAN RAMON, CA 94583 | STANDARD INSURANCE COMPANY | $135 | — | $135 | 0.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.26% |
| COLT EMPLOYEE BENEFIT INSURANCE3 | 3150 CROW CANYON PLACE 200 SAN RAMON, CA 94583 | STANDARD INSURANCE COMPANY | $200 | — | $200 | 0.74% |
| COLT EMPLOYEE BENEFITS3 Filed as: COLT EMPLOYEE BENEFITS INSURANCE | P.O. BOX 30065 WALNUT CREEK, CA 94598 | VISION SERVICE PLAN | $717 | — | $717 | 2.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | VISION SERVICE PLAN | $574 | — | $574 | 2.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | DELTA DENTAL OF CALIFORNIA | $458 | — | $458 | 4.15% |
| COLT EMPLOYEE BENEFITS3 Filed as: COLT EMPLOYEE BENEFITS INC | P.O.BOX 30065 WALNUT CREEK, CA 94598 | DELTA DENTAL OF CALIFORNIA | $94 | — | $94 | 0.85% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 263 | $988K |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 291 | $120K |
| Vision | VISION SERVICE PLAN | 163 | $26K |
| Life insurance | STANDARD INSURANCE COMPANY | 186 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 186 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.