| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $204K | — | $204K | 4.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN | $37K | — | $37K | 4.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $12K | $42K | 7.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $12K | $38K | 7.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN | $23K | — | $23K | 5.04% |
| PACIFIC BUSINESS SOLUTIONS, LLC3 Filed as: PACIFIC BUSINESS SOLUTIONS LLC | P.O. BOX 240655 HONOLULU, HI 96824 | UNIVERSITY HEALTH ALLIANCE | $15K | — | $15K | 3.44% |
| JOHN A. HOHMAN3 Filed as: JOHN ANDREW HOHMAN | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 5.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | VISION SERVICE PLAN | $2K | — | $2K | 3.00% |
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 | 873 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 271 | $6.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 385 | $506K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 360 | $478K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 873 | $554K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 873 | $554K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 873 | $554K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 143 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.