| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMINISTRATION CORP | P O BOX 640 CAPITOLA, CA 95010 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 3.85% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.67% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INS ADMIN CORP | P O BOX 640 CAPITOLA, CA 95010 | UNITEDHEALTHCARE OF CALIFORNIA | $7K | — | $7K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE OF CALIFORNIA | $3K | — | $3K | 2.24% |
| CALNONPROFITS INSURANCE SERVICES3 | 1500 41ST. AVE., STE. 280 CAPITOLA, CA 95010 | LANDMARK HEALTHPLAN | $683 | — | $683 | 9.99% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMINISTRATION CORP | 1500 41ST. AVE., STE. 280 CAPITOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $912 | $121 | $1K | 17.78% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMINISTRATION CORP | 1500 41ST. AVE., STE. 280 CAPITOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $142 | $28 | $170 | 11.96% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $915K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $7K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $915K |
| Other(3 contracts, 2 carriers) | LANDMARK HEALTHPLAN | 106 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.