| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 606614563 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $208K | — | $208K | 15.43% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 4.37% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE STREET SUITE 5200 CHICAGO, IL 60606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 1.25% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $281 | $281 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD SUITE 600 PLEASANT HILL, CA 945233979 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 4.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD SUITE 600 SUITE 2760 PLEASANT HILL, CA 945233979 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 4.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 500 W MADISON STREET SUITE 2700 CHICAGO, IL 60661 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 45.44% |
| THREEFLOW3 | 306 W ERIE STREET SUITE 300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.49% |
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 | 1,408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 76 | $625K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,031 | $746K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,658 | $132K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,408 | $1.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,408 | $1.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,408 | $1.3M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 76 | $625K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,408 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,031 | — |
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.