| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | SUTTER HEALTH PLAN | $60K | — | $60K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | ANSEL SERVICES | $22K | — | $22K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | DELTA DENTAL | $10K | — | $10K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDIAN | $4K | $22K | $26K | 104.79% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC | — | GUARDIAN | $967 | — | $967 | 3.96% |
| PACIFIC ADVISORS LLC3 | — | GUARDIAN | $88 | — | $88 | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | VISION SERVICE PLAN | $1K | — | $1K | 5.43% |
| TOTAL BENEFITS, INC.3 Filed as: TOTAL BENEFITS | — | LINCOLN NATIONAL | — | $584 | $584 | 4.99% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $99 | $99 | 0.85% |
| TOTALIS BENEFITS3 | — | LINCOLN NATIONAL | — | $202 | $202 | 5.99% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $34 | $34 | 1.01% |
| TOTALIS BENEFITS3 | — | LINCOLN NATIONAL | $78 | $114 | $192 | 12.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LINCOLN NATIONAL | $138 | — | $138 | 9.16% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $12 | $12 | 0.80% |
| TOTALIS BENEFITS3 | — | LINCOLN NATIONAL | $2 | $3 | $5 | 13.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LINCOLN NATIONAL | $4 | — | $4 | 11.11% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 187 | $1.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 202 | $126K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 161 | $47K |
| Life insurance(2 contracts) | LINCOLN NATIONAL | 31 | $5K |
| Long-term disability | LINCOLN NATIONAL | 31 | $12K |
| Prescription drug | SUTTER HEALTH PLAN | 187 | $1.2M |
| Other(2 contracts) | LINCOLN NATIONAL | 31 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.