| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA | $58K | $1K | $59K | 9.78% |
| RIPPLING INSURANCE SERVICES INC3 | — | CIGNA | $42K | $3K | $45K | 7.50% |
| NGP CA INSURANCE SERVICES INC3 | — | PRINCIPAL | $6K | — | $6K | 7.54% |
| RIPPLING INSURANCE SERVICES INC3 | — | PRINCIPAL | $32 | — | $32 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDIAN | $1K | $72 | $2K | 7.07% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC | — | GUARDIAN | $880 | $29 | $909 | 4.19% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC | — | GUARDIAN | $678 | — | $678 | 3.13% |
| PACIFIC ADVISORS LLC3 | — | GUARDIAN | $56 | — | $56 | 0.26% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 240 | $623K |
| Dental | PRINCIPAL | 323 | $78K |
| Vision | PRINCIPAL | 323 | $78K |
| Life insurance | PRINCIPAL | 323 | $78K |
| Short-term disability | PRINCIPAL | 323 | $78K |
| Long-term disability | PRINCIPAL | 323 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.