| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAC INSURANCE ADMINISTRATION CORPOR3 | P O BOX 640 CAPITOLA, CA 95010 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 4.15% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 2.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.85% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMIN. CORPORATION | P.O. BOX 640 CAPITOLA, CA 95010 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 4.16% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 2.50% |
| ARMFIELD HARRISON & THOMAS3 | 20 KING STREET LEESBURG, VA 20175 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.84% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | P O BOX 640 CAPITOLA, CA 95010 | KAISER FOUNDATION HEALTH PLAN | $4K | — | $4K | 3.56% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | KAISER FOUNDATION HEALTH PLAN | $1K | — | $1K | 1.16% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | P O BOX 640 CAPITOLA, CA 95010 | UNITEDHEALTHCARE OF CALIFORNIA | $5K | — | $5K | 4.17% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | UNITEDHEALTHCARE OF CALIFORNIA | $939 | — | $939 | 0.83% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMIN. CORPORATION | P.O. BOX 640 CAPITOLA, CA 95010 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 3.17% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | KAISER FOUNDATION HEALTH PLAN, INC. | $940 | — | $940 | 1.14% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | P O BOX 640 CAPITOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $216 | $3 | $219 | 12.10% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 78 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $2K |
| Prescription drug(6 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 65 | $1.2M |
| Other(2 contracts, 2 carriers) | LANDMARK HEALTHPLAN | 127 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.