| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA | $121K | — | $121K | 14.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | KAISER FOUNDATION | $21K | — | $21K | 5.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA | $14K | — | $14K | 9.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LIFE INS CO OF NO AMERICA (NYL) | $2K | — | $2K | 10.00% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA (NYL) | — | $1K | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LIFE INS CO OF NO AMERICA (NYL) | $2K | — | $2K | 10.00% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA (NYL) | — | $1K | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDIAN | $2K | $259 | $2K | 22.94% |
| PACIFIC ADVISORS LLC3 | — | GUARDIAN | $35 | — | $35 | 0.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LIFE INS CO OF NO AMERICA (NYL) | $390 | — | $390 | 10.01% |
| ALTERITY BROKER SOLUTIONS3 | — | LIFE INS CO OF NO AMERICA (NYL) | — | $195 | $195 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF CALIFORNIA | $185 | — | $185 | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF TEXAS | $56 | — | $56 | 4.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF MISSOURI | $54 | — | $54 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF NORTH CAROLINA | $28 | — | $28 | 4.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF VIRGINA | $28 | — | $28 | 4.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF FLORIDA | $28 | — | $28 | 4.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | CIGNA DENTAL OF PENNSYLVANIA | $28 | — | $28 | 4.97% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA | 159 | $1.2M |
| Dental(8 contracts, 8 carriers) | CIGNA | 119 | $154K |
| Vision | CIGNA | 119 | $146K |
| Life insurance | LIFE INS CO OF NO AMERICA (NYL) | 191 | $24K |
| Long-term disability | LIFE INS CO OF NO AMERICA (NYL) | 164 | $20K |
| Prescription drug | KAISER FOUNDATION | 42 | $393K |
| Other | LIFE INS CO OF NO AMERICA (NYL) | 186 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.