| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 3470 MT. DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 4.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3470 MOUNT DIABLO BOULEVARD SUITE A 100 LAFAYETTE, CA 94549 | BLUE CROSS OF CALIFORNIA | $14K | — | $14K | 4.42% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $6K | $6K | 1.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3470 MOUNT DIABLO BOULEVARD SUITE A 100 LAFAYETTE, CA 94549 | CHINESE COMMUNITY HEALTH PLAN | $5K | — | $5K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3470 MOUNT DIABLO BOULEVARD SUITE A 100 LAFAYETTE, CA 94549 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.25% |
| PACIFIC ADIVSORS, INC.3 | 333 NORTH INDIAN HILL BOULEVARD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72 | — | $72 | 0.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3470 MOUNT DIABLO BOULEVARD SUITE A 100 LAFAYETTE, CA 94549 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $936 | — | $936 | 4.42% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $418 | $418 | 1.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3470 MOUNT DIABLO BOULEVARD SUITE A 100 LAFAYETTE, CA 94549 | STANDARD INSURANCE COMPANY | $1K | $223 | $2K | 16.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 CAPITAL OF TX HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $54 | $54 | 0.52% |
| PORTAL INSURANCE AGENCY, INC.3 | 1277 TREAT BOULEVARD WALNUT CREEK, CA 94597 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.57% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN AND ASSOCIATES, INC. | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.34% |
| DOUGLAS LOYAL NERDAHL3 | 41 WEST 4TH AVENUE SAN MATEO, CA 94402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.15% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE COURT HERCULES, CA 94547 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| MICHAEL KIRKPATRICK3 | PO BOX 270 FREEDOM, CA 95050 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| MJ INSURANCE3 Filed as: SCOTT E. BOORE AND VARIOUS AGENTS | 8 STONEHAVEN COURT NOVATO, CA 94947 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFORNIA, INC. | PO BOX 101162 PASADENA, CA 91189 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.08% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 36 | $740K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $44K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 108 | $21K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 108 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 101 | $10K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 36 | $740K |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 108 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.