| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | SUTTER HEALTH PLAN | $50K | — | $50K | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | DELTA DENTAL | $9K | — | $9K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | RELIANCE STANDARD | $42K | — | $42K | 50.05% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC | — | RELIANCE STANDARD | — | $425 | $425 | 0.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | VISION SERVICE PLAN | $992 | — | $992 | 7.37% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | — | VISION SERVICE PLAN | $156 | — | $156 | 1.16% |
| ALTERITY BROKER SOLUTIONS3 | — | LINCOLN NATIONAL | — | $554 | $554 | 6.29% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $54 | $54 | 0.61% |
| ALTERITY BROKER SOLUTIONS3 | — | LINCOLN NATIONAL | — | $184 | $184 | 6.27% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $18 | $18 | 0.61% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUTTER HEALTH PLAN | 199 | $996K |
| Dental | DELTA DENTAL | 380 | $91K |
| Vision | VISION SERVICE PLAN | 170 | $13K |
| Life insurance | LINCOLN NATIONAL | 28 | $3K |
| Long-term disability | LINCOLN NATIONAL | 28 | $9K |
| Prescription drug | SUTTER HEALTH PLAN | 199 | $996K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD | 134 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.