| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $67K | — | $67K | 4.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | UNITEDHEALTHCARE | $28K | — | $28K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | — | METLIFE | $9K | $16 | $9K | 5.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITEDHEALTHCARE | $6K | — | $6K | 4.54% |
| BEERE & PURVES INC3 | — | UNITEDHEALTHCARE | $3K | — | $3K | 1.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | — | LINCOLN NATIONAL | $7K | $2K | $10K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | — | LINCOLN NATIONAL | $5K | $2K | $7K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | — | LINCOLN NATIONAL | $5K | $2K | $6K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | VISION SERVICE PLAN | $1K | — | $1K | 5.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | SAFEGUARD HEALTH PLANS | $885 | — | $885 | 5.87% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION | 206 | $2.1M |
| Dental(2 contracts, 2 carriers) | METLIFE | 324 | $164K |
| Vision | VISION SERVICE PLAN | 177 | $19K |
| Life insurance(2 contracts) | LINCOLN NATIONAL | 517 | $80K |
| Long-term disability | LINCOLN NATIONAL | 245 | $35K |
| Prescription drug | KAISER FOUNDATION | 206 | $1.4M |
| Other(2 contracts) | LINCOLN NATIONAL | 517 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.