| 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 INS SERVICES INC | — | HEALTH NET | $46K | $1K | $47K | 7.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | — | METLIFE | $11K | $180 | $11K | 7.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | METLIFE | $2K | — | $2K | 1.02% |
| ALTERITY BROKER SOLUTIONS3 | — | LINCOLN NATIONAL | $5K | $2K | $7K | 20.00% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $347 | $347 | 1.01% |
| ALTERITY BROKER SOLUTIONS3 | — | LINCOLN NATIONAL | $4K | $1K | $6K | 20.00% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $239 | $239 | 0.84% |
| ALTERITY BROKER SOLUTIONS3 | — | LINCOLN NATIONAL | $4K | $1K | $5K | 20.00% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $224 | $224 | 0.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | SAFEGUARD HEALTH PLANS | $607 | — | $607 | 5.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | SAFEGUARD HEALTH PLANS | $105 | — | $105 | 0.96% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION | 189 | $1.9M |
| Dental(2 contracts, 2 carriers) | METLIFE | 249 | $160K |
| Vision | METLIFE | 249 | $149K |
| Life insurance(2 contracts) | LINCOLN NATIONAL | 305 | $61K |
| Long-term disability | LINCOLN NATIONAL | 192 | $28K |
| Prescription drug | KAISER FOUNDATION | 189 | $1.3M |
| Other(2 contracts) | LINCOLN NATIONAL | 305 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.