| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | KAISER FOUNDATION | $46K | — | $46K | 3.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $23K | $62 | $23K | 10.44% |
| ALTERITY BROKER SOLUTIONS3 | — | METLIFE | $10K | $62 | $10K | 4.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | KAISER NW | $219 | — | $219 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MULTIBENEFIT SERVICES WEST EIN 36-4104766 INSURANCE AGENT | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $7K |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION | 157 | $1.2M |
| Dental | METLIFE | 303 | $220K |
| Vision | METLIFE | 303 | $220K |
| Life insurance | METLIFE | 303 | $220K |
| Short-term disability | METLIFE | 303 | $220K |
| Long-term disability | METLIFE | 303 | $220K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION | 157 | $1.2M |
| Other | METLIFE | 303 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.