| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | 160 W SANTA CLARA ST, STE 575 SAN JOSE, CA 95113 | KAISER FOUNDATION | $31K | $0 | $31K | 4.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | KAISER FOUNDATION | $7K | $1K | $8K | 1.10% |
| THOITS INSURANCE SERVICE INC3 Filed as: THOITS INSURANCE SERVICE INC. | 160 W SANTA CLARA ST, STE 575 SAN JOSE, CA 95113 | KAISER FOUNDATION | $27 | $0 | $27 | 0.00% |
| THOITS INSURANCE SERVICE INC3 Filed as: THOITS INS SERVICES INC. | 160 W SANTA CLARA SAN JOSE, CA 95113 | UNITEDHEALTHCARE | $3K | $0 | $3K | 9.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 160 W SANTA CLARA ST, STE 1200 SAN JOSE, CA 95113 | VISION SERVICE PLAN | $680 | $0 | $680 | 7.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC. EIN 35-1450364 ADMINISTRATOR | Contract Administrator Service code 13 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $12K |
| THOITS INSURANCE EIN 94-2706681 CONSULTANT | Consulting (general) Service code 16 | 160 W SANTA CLARA 12TH FLOOR SAN JOSE, CA 95113 | $6K |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE | 45 | $32K |
| Vision | VISION SERVICE PLAN | 98 | $9K |
| Prescription drug | KAISER FOUNDATION | 124 | $708K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 109 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.