| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA | $154K | — | $154K | 16.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | KAISER FOUNDATION | $20K | — | $20K | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA | $16K | — | $16K | 9.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LIFE INS CO OF NO AMERICA (NYL) | $3K | — | $3K | 10.00% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | LIFE INS CO OF NO AMERICA (NYL) | $178 | $1K | $2K | 5.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LIFE INS CO OF NO AMERICA (NYL) | $2K | — | $2K | 10.00% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | LIFE INS CO OF NO AMERICA (NYL) | $85 | $1K | $1K | 5.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDIAN | $3K | $133 | $3K | 24.94% |
| ALTERITY GROUP3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | GUARDIAN | $376 | — | $376 | 3.35% |
| PACIFIC ADVISORS LLC3 | — | GUARDIAN | $45 | — | $45 | 0.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LIFE INS CO OF NO AMERICA (NYL) | $473 | — | $473 | 10.01% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | LIFE INS CO OF NO AMERICA (NYL) | $27 | $236 | $263 | 5.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF CALIFORNIA | $232 | — | $232 | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF MISSOURI | $55 | — | $55 | 5.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF TEXAS | $39 | — | $39 | 5.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF FLORIDA | $36 | — | $36 | 4.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF NEW JERSEY | $32 | — | $32 | 5.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF VIRGINA | $27 | — | $27 | 4.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF NORTH CAROLINA | $23 | — | $23 | 5.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF ARIZONA | $23 | — | $23 | 5.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF PENNSYLVANIA | $16 | — | $16 | 5.03% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA | 176 | $1.4M |
| Dental(10 contracts, 10 carriers) | CIGNA | 124 | $175K |
| Vision | CIGNA | 124 | $166K |
| Life insurance | LIFE INS CO OF NO AMERICA (NYL) | 175 | $28K |
| Long-term disability | LIFE INS CO OF NO AMERICA (NYL) | 175 | $22K |
| Prescription drug | KAISER FOUNDATION | 40 | $399K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 175 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.