| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 3 ALTARINDA RD ORINDA, CA 94563 | BLUE CROSS OF CALIFORNIA | $285K | — | $285K | 2.54% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 499 SEAPORT COURT, #300 REDWOOD CITY, CA 94063 | BLUE CROSS OF CALIFORNIA | $113K | — | $113K | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 160 W SANTA CLARA ST SUITE 575 SAN JOSE, CA 95113 | PRINCIPAL LIFE INSURANCE COMPANY | $45K | $17K | $62K | 3.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $48K | — | $48K | 2.32% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 600 SAN MATEO, CA 94404 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 0.87% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY W LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $12K | $12K | 0.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MT DIABLO BLVD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC | $33K | — | $33K | 1.75% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 0.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES(CO)INC | 10807 NEW ALLEGIANCE DR #515 COLORADO SPRINGS, CO 80921 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $14K | — | $14K | 4.10% |
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 | 1,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 2,388 | $13.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 2,996 | $2.0M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 2,996 | $2.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,996 | $2.0M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,996 | $2.0M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,996 | $2.0M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 450 | $2.2M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 2,996 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,996 | — |
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.