| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | BLUE SHIELD OF CALIFORNIA | $95K | — | $95K | 5.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $14K | — | $14K | 5.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | CIGNA | $6K | $288 | $6K | 5.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LIFE INS CO OF NO AMERICA (NYL) | $2K | $531 | $3K | 12.32% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA (NYL) | — | $1K | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LIFE INS CO OF NO AMERICA | $2K | $422 | $2K | 12.52% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA | — | $838 | $838 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | METLIFE | $2K | $62 | $2K | 11.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | METLIFE | $139 | — | $139 | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDIAN | $901 | $99 | $1K | 22.21% |
| PACIFIC ADVISORS LLC3 | — | GUARDIAN | $18 | — | $18 | 0.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICE | — | LIFE INS CO OF NO AMERICA (NYL) | $400 | $99 | $499 | 12.47% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA (NYL) | -$1 | $201 | $200 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF CALIFORNIA | $68 | — | $68 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF VIRGINIA | $62 | — | $62 | 4.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL HEALTH OF DELAWARE | $34 | — | $34 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL HEALTH OF FLORIDA | $34 | — | $34 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL HEALTH OF KANSAS | $34 | — | $34 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF NORTH CAROLINA | $3 | — | $3 | 5.26% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 292 | $2.1M |
| Dental(7 contracts, 7 carriers) | CIGNA | 114 | $123K |
| Vision | METLIFE | 243 | $15K |
| Life insurance | LIFE INS CO OF NO AMERICA (NYL) | 130 | $23K |
| Long-term disability | LIFE INS CO OF NO AMERICA | 130 | $17K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 292 | $2.1M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 130 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.