| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAC INSURANCE ADMINISTRATION CORPOR3 | P O BOX 640 CAPITOLA, CA 95010 | CALIFORNIACHOICE | $47K | — | $47K | 4.98% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | P O BOX 640 CAPITOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $146 | $6K | 10.98% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | P O BOX 640 CAPITOLA, CA 95010 | VISION SERVICE PLAN | $868 | — | $868 | 6.57% |
| ENROLLEASE Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DR. STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $165 | — | $165 | 1.25% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 94 | $935K |
| Vision | VISION SERVICE PLAN | 78 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $52K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $52K |
| Prescription drug | CALIFORNIACHOICE | 94 | $935K |
| Other(2 contracts, 2 carriers) | CALIFORNIACHOICE | 124 | $987K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.