| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES (CO) INC | — | KAISER FOUNDATION OF CO | $20K | — | $20K | 4.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES INC | — | KAISER FOUNDATION OF CO | $2K | — | $2K | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO INC | — | STANDARD INS CO | $8K | — | $8K | 10.02% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | STANDARD INS CO | $5K | — | $5K | 5.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INS CO OF NO AMERICA (NYL) | $6K | — | $6K | 15.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INS CO OF NO AMERICA (NYL) | $5K | — | $5K | 15.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO INC | — | STANDARD INS CO | $2K | — | $2K | 10.01% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | STANDARD INS CO | $1K | — | $1K | 5.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INS CO OF NO AMERICA (NYL) | $2K | — | $2K | 11.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVCIES CO | — | LIFE INS CO OF NO AMERICA (NYL) | $870 | — | $870 | 15.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INS CO OF NO AMERICA (NYL) | $493 | — | $493 | 11.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 TPA | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $79K |
| NFP CORPORATE SERVICES EIN 26-0807565 BROKER | Insurance agents and brokers Service code 22 | — | $49K |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION OF CO | 202 | $893K |
| Dental | STANDARD INS CO | 143 | $78K |
| Vision | STANDARD INS CO | 178 | $18K |
| Life insurance(2 contracts) | LIFE INS CO OF NO AMERICA (NYL) | 459 | $44K |
| Short-term disability | LIFE INS CO OF NO AMERICA (NYL) | 171 | $40K |
| Prescription drug | KAISER FOUNDATION OF CO | 92 | $448K |
| Other(2 contracts) | LIFE INS CO OF NO AMERICA (NYL) | 184 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
No prospect flags tripped on this filing.