| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITEDHEALTHCARE | $4K | $38K | $43K | 5.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | BLUE CROSS BLUE SHIELD OF AZ | $4K | — | $4K | 3.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $3K | $801 | $4K | 19.30% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $334 | $334 | 1.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $3K | $751 | $3K | 19.12% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $313 | $313 | 1.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $2K | $639 | $3K | 20.14% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $266 | $266 | 2.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $1K | $308 | $1K | 18.89% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $128 | $128 | 1.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $720 | $237 | $957 | 19.93% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $99 | $99 | 2.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $354 | $100 | $454 | 19.22% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $42 | $42 | 1.78% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE | 175 | $973K |
| Dental | UNITEDHEALTHCARE | 175 | $843K |
| Vision | UNITEDHEALTHCARE | 175 | $843K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 101 | $21K |
| Short-term disability | UNITED OF OMAHA | 40 | $18K |
| Long-term disability | UNITED OF OMAHA | 32 | $12K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF AZ | 9 | $117K |
| Other(2 contracts) | UNITED OF OMAHA | 101 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.