| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAL INSURANCE AND ASSOCIATES INC3 Filed as: CAL INSURANCE & ASSOCIATES INC | — | CALIFORNIA PHYSICIANS' SERVICE | $62 | $144K | $144K | 4.47% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | — | CALIFORNIA PHYSICIANS' SERVICE | $68K | — | $68K | 2.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CALIFORNIA PHYSICIANS' SERVICE | $15 | $30K | $30K | 0.92% |
| CAL INSURANCE AND ASSOCIATES INC3 | — | METLIFE | $24K | — | $24K | 5.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $3 | $16 | $19 | 0.00% |
| CAL INSURANCE AND ASSOCIATES INC3 | — | KAISER | $16K | — | $16K | 4.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | KAISER | $3K | — | $3K | 0.77% |
| CAL INSURANCE AND ASSOCIATES INC3 | — | KAISER | $5K | — | $5K | 4.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | KAISER | $1K | — | $1K | 0.86% |
| CAL INSURANCE AND ASSOCIATES INC3 | — | METLIFE | $2K | — | $2K | 9.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $43 | $16 | $59 | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | METLIFE | $2 | — | $2 | 0.01% |
| CAL INSURANCE AND ASSOCIATES INC3 | — | METLIFE | $707 | — | $707 | 10.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | — | $16 | $16 | 0.23% |
| CAL INSURANCE AND ASSOCIATES INC3 | — | METLIFE | $696 | — | $696 | 10.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | — | $16 | $16 | 0.24% |
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 | 448 | 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) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 719 | $3.8M |
| Dental | METLIFE | 633 | $461K |
| Vision | METLIFE | 633 | $461K |
| Life insurance | METLIFE | 633 | $461K |
| Short-term disability | METLIFE | 633 | $461K |
| Long-term disability | METLIFE | 633 | $461K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 719 | $3.7M |
| Other | METLIFE | 633 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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.