| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BLVD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN | $59K | — | $59K | 4.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $5K | $13K | 7.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | BLUE SHIELD OF CA LIFE & HEALTH | $623 | — | $623 | 4.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $319 | $33 | $352 | 8.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $16 | $16 | 0.40% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 233 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $168K |
| Vision | BLUE SHIELD OF CA LIFE & HEALTH | 158 | $13K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $168K |
| Other | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 17 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.