| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $66K | — | $66K | 4.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | UNITEDHEALTHCARE | $3K | — | $3K | 0.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | — | METLIFE | $9K | $32 | $9K | 4.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITEDHEALTHCARE | $8K | — | $8K | 5.43% |
| BEERE & PURVES INC3 | — | UNITEDHEALTHCARE | $3K | — | $3K | 2.17% |
| ALTERITY BROKER SOLUTIONS3 | — | LINCOLN NATIONAL | $7K | $4K | $11K | 22.98% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $163 | $163 | 0.34% |
| ALTERITY BROKER SOLUTIONS3 | — | LINCOLN NATIONAL | $5K | $3K | $8K | 23.04% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $121 | $121 | 0.35% |
| ALTERITY BROKER SOLUTIONS3 | — | LINCOLN NATIONAL | $5K | $3K | $7K | 23.05% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $113 | $113 | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | SAFEGUARD HEALTH PLANS | $788 | — | $788 | 5.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VITA EIN 94-3105085 TPA | Contract Administrator; Claims processing Service code 12 | — | $8K |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION | 189 | $2.1M |
| Dental(2 contracts, 2 carriers) | METLIFE | 311 | $193K |
| Vision | METLIFE | 311 | $179K |
| Life insurance(2 contracts) | LINCOLN NATIONAL | 376 | $80K |
| Long-term disability | LINCOLN NATIONAL | 232 | $34K |
| Prescription drug | KAISER FOUNDATION | 189 | $1.3M |
| Other(2 contracts) | LINCOLN NATIONAL | 376 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
No prospect flags tripped on this filing.