| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY | 160 WEST SANTA CLARA ST., STE 575 SAN JOSE, CA 95113 | AETNA | $85K | $0 | $85K | 2.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 160 W. SANTA CLARA STREET, 12TH FLO SAN JOSE, CA 95113 | GUARDIAN | $13K | $2K | $16K | 3.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 160 WEST SANTA CLARA ST STE 575 SAN JOSE, CA 95113 | VISION SERVICE PLAN | $1K | $88 | $2K | 4.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 160 WEST SANTA CLARA ST., STE 575 SAN JOSE, CA 95113 | UNUM | $3K | $237 | $3K | 14.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUARDIAN LIFE INSURANCE EIN 13-5123390 CLAIMS PAYOR | Claims processing Service code 12 | 7 HANOVER SQUARE NEW YORK, NY 10004 | $14K |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 226 | $3.4M |
| Vision | VISION SERVICE PLAN | 181 | $36K |
| Life insurance(2 contracts, 2 carriers) | AETNA | 226 | $3.9M |
| Long-term disability | GUARDIAN | 193 | $431K |
| Prescription drug | AETNA | 226 | $3.4M |
| Other(4 contracts, 4 carriers) | AETNA | 226 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.