| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION | $60K | $3 | $60K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | UNITEDHEALTHCARE | $8K | — | $8K | 5.00% |
| BEERE & PURVES INC3 | 1350 TREAT BLVD STE 470 WALNUT CREEK, CA 94597 | UNITEDHEALTHCARE | $3K | — | $3K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | — | METLIFE | $8K | $66 | $8K | 5.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | — | LINCOLN NATIONAL | $6K | $5K | $11K | 20.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | — | LINCOLN NATIONAL | $5K | $4K | $9K | 25.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | — | LINCOLN NATIONAL | $5K | $3K | $8K | 25.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | VISION SERVICE PLAN | $1K | — | $1K | 5.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | SAFEGUARD HEALTH PLANS | $755 | — | $755 | 5.01% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION | 197 | $1.4M |
| Dental(2 contracts, 2 carriers) | METLIFE | 332 | $168K |
| Vision | VISION SERVICE PLAN | 172 | $18K |
| Life insurance(2 contracts) | LINCOLN NATIONAL | 252 | $86K |
| Long-term disability | LINCOLN NATIONAL | 252 | $35K |
| Prescription drug | KAISER FOUNDATION | 197 | $1.2M |
| Other(2 contracts) | LINCOLN NATIONAL | 252 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.