| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | 160 W SANTA CLARA STREET #575 SAN JOSE, CA 951131701 | KASIER FOUNDATION HEALTH PLAN INC | $42K | $0 | $42K | 3.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | 160 W SANTA CLARA STREET #575 SAN JOSE, CA 951131701 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 3.69% |
| GABRIELA MARIA BENARROCH3 | — | AETNA | $7K | $0 | $7K | 6.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 160 W SANTA CLARA STREET #575 SAN JOSE, CA 95113 | DELTA DENTAL OF CALIFORNIA | $4K | $0 | $4K | 3.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $3K | $0 | $3K | 3.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | — | NATIONAL HEALTH INSURANCE COMPANY | $8K | $0 | $8K | 13.60% |
| TBP ADVISOR3 Filed as: TBP SOLUTIONS | — | NATIONAL HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 4.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | 160 W SANTA CLARA STREET #575 SAN JOSE, CA 95113 | DELTAL DENTAL OF CALIFORNIA | $663 | $0 | $663 | 4.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | 160 WEST SANTA CLARA STREET #575 SAN JOSE, CA 95113 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 10.01% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KASIER FOUNDATION HEALTH PLAN INC | 248 | $1.5M |
| Dental(3 contracts, 3 carriers) | AETNA | 92 | $216K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 107 | $11K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 27 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.