| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | KAISER FOUNDATION | $32K | — | $32K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | SUTTER HEALTH PLAN | $30K | — | $30K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA | — | $510 | $510 | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | CIGNA | $20K | — | $20K | 14.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $5K | $942 | $5K | 18.13% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | UNITED OF OMAHA | — | $2K | $2K | 6.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $393 | $393 | 1.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $3K | $637 | $3K | 18.51% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | UNITED OF OMAHA | — | $1K | $1K | 6.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $266 | $266 | 1.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $2K | $503 | $3K | 18.08% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | UNITED OF OMAHA | — | $981 | $981 | 6.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $210 | $210 | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $1K | $242 | $1K | 18.21% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | UNITED OF OMAHA | — | $453 | $453 | 5.99% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $101 | $101 | 1.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 TPA | Contract Administrator Service code 13 | — | $31K |
| NFP CA INSURANCE SERVICES EIN 94-2741175 BROKER | Insurance agents and brokers Service code 22 | — | $21K |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION | 75 | $1.4M |
| Dental | CIGNA | 134 | $131K |
| Vision | CIGNA | 134 | $131K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 163 | $35K |
| Short-term disability | UNITED OF OMAHA | 162 | $8K |
| Long-term disability | UNITED OF OMAHA | 163 | $30K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION | 75 | $1.2M |
| Other(2 contracts) | UNITED OF OMAHA | 163 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.