| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | BLUE SHIELD OF CA | $363 | $121K | $121K | 5.29% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | — | BLUE SHIELD OF CA | $17K | — | $17K | 0.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $37K | $32 | $37K | 7.34% |
| CAL INSURANCE AND ASSOCIATES INC3 | — | METLIFE | $2K | $4K | $6K | 1.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | METLIFE | $5K | — | $5K | 0.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA | $2K | — | $2K | 0.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | KAISER | $15K | — | $15K | 4.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | KAISER | $6K | — | $6K | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $4K | $32 | $4K | 16.82% |
| CAL INSURANCE AND ASSOCIATES INC3 | — | METLIFE | $445 | $99 | $544 | 2.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | METLIFE | $196 | — | $196 | 0.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $2K | $32 | $2K | 15.56% |
| CAL INSURANCE AND ASSOCIATES INC3 | — | METLIFE | $114 | $40 | $154 | 1.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | METLIFE | $105 | — | $105 | 0.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $1K | $32 | $2K | 16.17% |
| CAL INSURANCE AND ASSOCIATES INC3 | — | METLIFE | $109 | $38 | $147 | 1.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | METLIFE | $82 | — | $82 | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP EIN 94-2741175 BROKER | Insurance agents and brokers Service code 22 | — | $49K |
| CIGNA EIN 59-1031071 TPA | Contract Administrator Service code 13 | — | $19K |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | BLUE SHIELD OF CA | 471 | $3.2M |
| Dental | METLIFE | 684 | $506K |
| Vision | METLIFE | 684 | $506K |
| Life insurance | METLIFE | 684 | $506K |
| Short-term disability | METLIFE | 684 | $506K |
| Long-term disability | METLIFE | 684 | $506K |
| Prescription drug(3 contracts, 2 carriers) | BLUE SHIELD OF CA | 471 | $2.7M |
| Other | METLIFE | 684 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.