| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITEDHEALTHCARE | $41K | — | $41K | 5.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | BLUE CROSS BLUE SHIELD OF AZ | $4K | — | $4K | 3.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $3K | $1K | $4K | 20.72% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $233 | $233 | 1.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $2K | $1K | $4K | 21.60% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $228 | $228 | 1.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $2K | $745 | $2K | 22.34% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $155 | $155 | 1.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $1K | $475 | $2K | 20.73% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $99 | $99 | 1.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $404 | $288 | $692 | 25.72% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $60 | $60 | 2.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $315 | $142 | $457 | 21.78% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $30 | $30 | 1.43% |
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 | 78 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE | 136 | $948K |
| Dental | UNITEDHEALTHCARE | 136 | $799K |
| Vision | UNITEDHEALTHCARE | 136 | $799K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 78 | $22K |
| Short-term disability | UNITED OF OMAHA | 39 | $17K |
| Long-term disability | UNITED OF OMAHA | 19 | $10K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF AZ | 8 | $138K |
| Other(4 contracts) | UNITED OF OMAHA | 78 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.