| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIPPLING INSURANCE SERVICES INC3 | — | CIGNA | — | $598 | $598 | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNITED OF OMAHA | $2K | — | $2K | 11.14% |
| RIPPLING INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | $805 | — | $805 | 3.87% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | UNITED OF OMAHA | — | $322 | $322 | 1.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $1K | — | $1K | 11.63% |
| RIPPLING INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | $334 | — | $334 | 3.37% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | UNITED OF OMAHA | — | $134 | $134 | 1.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | UNITED OF OMAHA | $383 | — | $383 | 11.05% |
| RIPPLING INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | $137 | — | $137 | 3.95% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | UNITED OF OMAHA | — | $55 | $55 | 1.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CA INSURANCE SERVICES INC EIN 94-2741175 BROKER | Insurance agents and brokers Service code 22 | — | $37K |
| RIPPLING INSURANCE SERVICES INC EIN 82-2575867 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
| CIGNA EIN 59-1031071 TPA | Contract Administrator Service code 13 | — | $215 |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 115 | $201K |
| Dental | CIGNA | 115 | $201K |
| Vision | CIGNA | 115 | $201K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 202 | $13K |
| Long-term disability | UNITED OF OMAHA | 201 | $21K |
| Other(2 contracts) | UNITED OF OMAHA | 202 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.