| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | AETNA LIFE INSURANCE CO. | $3.6M | — | $3.6M | 3.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | KAISER FOUNDATION HEALTH PLAN INC. | $305K | — | $305K | 3.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $840K | $45K | $886K | 11.74% |
| ALTERITY GROUP3 Filed as: ALTERITY BROKER SOLUTIONS, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $377K | — | $377K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $468K | $3K | $470K | 11.38% |
| ALTERITY GROUP3 Filed as: ALTERITY BROKER SOLUTIONS, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $207K | — | $207K | 5.00% |
| PACIFIC ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 0.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | KAISER FOUNDATION HEALTH PLAN INC. | $124K | — | $124K | 3.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $306K | $28K | $334K | 12.38% |
| ALTERITY GROUP3 Filed as: ALTERITY BROKER SOLUTIONS, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $135K | — | $135K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $208K | $838 | $209K | 11.58% |
| ALTERITY GROUP3 Filed as: ALTERITY BROKER SOLUTIONS, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $90K | — | $90K | 5.00% |
| PACIFIC ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 0.84% |
| JOHN A. HOHMAN3 | 3470 MT. DIABLO BLVD. SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $22K | — | $22K | 3.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | AETNA HEALTH, INC. | $20K | — | $20K | 3.68% |
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 | 33,232 | 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) | 33,232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 24,754 | $101.8M |
| Dental(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,034 | $16.2M |
| Vision(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,034 | $16.2M |
| Life insurance(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,034 | $16.2M |
| Short-term disability(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,034 | $16.2M |
| Long-term disability(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,034 | $16.2M |
| Other(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,034 | $16.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,754 | — |
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.