| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALNONPROFITS INSURANCE SERVICES3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | KAISER FOUNDATION HEALTH PLAN INC. | $56K | — | $56K | 3.79% |
| FILICE INSURANCE AGENCY3 | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | $3 | $12K | 0.81% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMINISTRATION | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | CALIFORNIA PHYSICIANS' SERVICE | $66K | $12K | $78K | 5.88% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMINISTRATION | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $18K | 19.17% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMINISTRATION | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $4K | 13.10% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMINISTRATION CORP | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 13.31% |
| INTERWEST INSURANCE SERVICES, LLC3 | 5401 OLD REDWOOD HWY, STE 105 PETALUMA, CA 94954 | METROPOLITAN LIFE INSURANCE COMPANY | $16 | — | $16 | 0.17% |
| M3 INS SOLUTIONS INC3 Filed as: BB&T INS SERVICES OF CALIFORNIA INC | 750 B ST., STE 2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| INTERWEST INSURANCE SERVICES, LLC3 | 5401 OLD REDWOOD HWY, STE 105 PETALUMA, CA 94954 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
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 | 516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 244 | $2.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $29K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 244 | $2.8M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.