| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CALIFORNIA PHYSICIANS' SERVICES | $74K | — | $74K | 5.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDIAN | $25K | — | $25K | 10.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | UNITEDHEALTHCARE | $6K | — | $6K | 3.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | KAISER | $7K | — | $7K | 5.00% |
| HUD INTERNATIONAL NE LTD3 Filed as: HUD INTERNATIONAL OF CALIFORNIA | — | KAISER | $4K | $254 | $4K | 3.89% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES | — | KAISER | $1K | — | $1K | 1.05% |
| TERRI A. MENDEZ4 Filed as: TERRI A MENDEZ | — | LEGALSHIELD | $375 | — | $375 | 11.32% |
| VERUS INSURANCE SERVICES, LLC4 Filed as: VERUS INSURANCE SERVICES | — | LEGALSHIELD | $71 | — | $71 | 2.14% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | CALIFORNIA PHYSICIANS' SERVICES | 169 | $2.0M |
| Dental | GUARDIAN | 169 | $236K |
| Vision | GUARDIAN | 169 | $236K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 169 | $386K |
| Short-term disability | GUARDIAN | 169 | $236K |
| Long-term disability | GUARDIAN | 169 | $236K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICES | 115 | $1.7M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 169 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
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.