| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | KAISER PERMANENTE | $30K | — | $30K | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | SUTTER HEALTH PLAN | $18K | — | $18K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | WESTERN HEALTH | $8K | — | $8K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | PRINCIPAL | $11K | $957 | $12K | 11.43% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | — | PRINCIPAL | — | $4K | $4K | 4.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | KAISER HI | $3K | — | $3K | 3.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LINCOLN NATIONAL | $3K | $235 | $3K | 17.06% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | LINCOLN NATIONAL | — | $803 | $803 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | — | LINCOLN NATIONAL | — | $197 | $197 | 1.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICE INC | — | LINCOLN NATIONAL | $2K | $208 | $2K | 16.46% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | LINCOLN NATIONAL | — | $712 | $712 | 5.00% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $174 | $174 | 1.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LINCOLN NATIONAL | $968 | $105 | $1K | 16.63% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | LINCOLN NATIONAL | — | $323 | $323 | 5.01% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $88 | $88 | 1.36% |
| JOHN A. HOHMAN3 Filed as: JOHN A HOHMAN | — | PACIFIC GUARDIAN | $675 | — | $675 | 15.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | BLUE CROSS OF CALIFORNIA | $3K | — | $3K | — |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER PERMANENTE | 68 | $1.2M |
| Dental | PRINCIPAL | 157 | $107K |
| Vision | PRINCIPAL | 157 | $107K |
| Life insurance(2 contracts) | LINCOLN NATIONAL | 121 | $21K |
| Short-term disability | PACIFIC GUARDIAN | 11 | $4K |
| Long-term disability | LINCOLN NATIONAL | 121 | $16K |
| Prescription drug(4 contracts, 4 carriers) | KAISER PERMANENTE | 68 | $1.2M |
| Other(2 contracts) | LINCOLN NATIONAL | 121 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.