| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | BLUE SHIELD OF CALIFORNIA | $113K | — | $113K | 5.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $16K | — | $16K | 4.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LIFE INS CO OF NO AMERICA (NYL) | $3K | — | $3K | 10.78% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA (NYL) | — | $1K | $1K | 5.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LIFE INS CO OF NO AMERICA (NYL) | $2K | — | $2K | 10.84% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA (NYL) | — | $1K | $1K | 5.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | CIGNA | $287 | — | $287 | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICE | — | LIFE INS CO OF NO AMERICA (NYL) | $481 | — | $481 | 10.82% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA (NYL) | — | $241 | $241 | 5.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF CALIFORNIA | $122 | — | $122 | 4.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF NORTH CAROLINA | $30 | — | $30 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF DELAWARE | $30 | — | $30 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF FLORIDA | $30 | — | $30 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF MISSOURI | $30 | — | $30 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF VIRGINA | $25 | — | $25 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF PENNSYLVANIA | $20 | — | $20 | 5.00% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 217 | $2.5M |
| Dental(8 contracts, 8 carriers) | CIGNA | 17 | $11K |
| Life insurance | LIFE INS CO OF NO AMERICA (NYL) | 153 | $26K |
| Long-term disability | LIFE INS CO OF NO AMERICA (NYL) | 153 | $19K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 217 | $2.5M |
| Other | LIFE INS CO OF NO AMERICA (NYL) | 153 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.