| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAC INSURANCE ADMINISTRATION CORPOR3 | P O BOX 640 CAPITOLA, CA 95010 | CALIFORNIACHOICE | $44K | — | $44K | 4.99% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $988 | $6K | 12.40% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $460 | $4K | 15.87% |
| CALNONPROFITS INSURANCE SERVICES3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | LANDMARK HEALTHPLAN | $873 | — | $873 | 10.00% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 109 | $884K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $75K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $50K |
| Prescription drug | CALIFORNIACHOICE | 109 | $884K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.