| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | BLUE SHIELD OF CALIFORNIA | $69K | — | $69K | 5.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $13K | — | $13K | 5.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | CIGNA | $5K | — | $5K | 4.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LIFE INS CO OF NO AMERICA (NYL) | $2K | — | $2K | 10.00% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA (NYL) | — | $884 | $884 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LIFE INS CO OF NO AMERICA (NYL) | $1K | — | $1K | 10.00% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA (NYL) | -$3 | $683 | $680 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | METLIFE | $951 | $32 | $983 | 7.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | METLIFE | $84 | — | $84 | 0.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICE | — | LIFE INS CO OF NO AMERICA (NYL) | $332 | — | $332 | 10.00% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA (NYL) | — | $166 | $166 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDIAN | $658 | $120 | $778 | 23.63% |
| PACIFIC ADVISORS LLC3 | — | GUARDIAN | $13 | — | $13 | 0.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF CALIFORNIA | $127 | — | $127 | 5.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF VIRGINIA | $19 | — | $19 | 4.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF NORTH CAROLINA | $4 | — | $4 | 5.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF OHIO | $4 | — | $4 | 5.19% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 225 | $1.6M |
| Dental(5 contracts, 5 carriers) | CIGNA | 86 | $99K |
| Vision | METLIFE | 181 | $12K |
| Life insurance | LIFE INS CO OF NO AMERICA (NYL) | 135 | $18K |
| Long-term disability | LIFE INS CO OF NO AMERICA (NYL) | 135 | $14K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 225 | $1.6M |
| Other(2 contracts, 2 carriers) | LIFE INS CO OF NO AMERICA (NYL) | 135 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.