| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 945493958 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 1.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 945493958 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 1.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | DELTA DENTAL OF ARIZONA | $5K | — | $5K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $373 | $373 | 1.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94543 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $137 | — | $137 | 0.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $266 | $266 | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94543 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $93 | — | $93 | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 945493958 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $429 | — | $429 | 4.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $101 | $101 | 1.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94543 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39 | — | $39 | 0.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $105 | — | $105 | 4.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $30 | $30 | 1.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94543 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9 | — | $9 | 0.40% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $1.4M |
| Dental | DELTA DENTAL OF ARIZONA | 194 | $92K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 172 | $22K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $33K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 88 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 69 | $23K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.