| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $9K | — | $9K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION | $10K | — | $10K | 5.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | PREMIER ACCESS | $5K | — | $5K | 3.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION NORTHWEST | $3K | — | $3K | 3.00% |
| JOHN A. HOHMAN3 | — | KAISER FOUNDATION NORTHWEST | $1K | — | $1K | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | LINCOLN NATIONAL LIFE | $3K | — | $3K | 6.62% |
| JOHN A. HOHMAN3 Filed as: JOHN A HOHMAN | — | KAISER FOUNDATION COLORADO | $1K | — | $1K | 2.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION COLORADO | $932 | — | $932 | 2.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | LINCOLN NATIONAL LIFE | $3K | — | $3K | 8.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | LINCOLN NATIONAL LIFE | $3K | — | $3K | 13.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | PREMIER ACCESS | $4K | — | $4K | 27.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CA INSURANCE SERVICES EIN 94-2741175 CONSULTANT | Consulting (general) Service code 16 | — | $48K |
| CIGNA EIN 59-1031071 TPA | Claims processing Service code 12 | — | $16K |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION | 39 | $513K |
| Dental | PREMIER ACCESS | 271 | $145K |
| Vision | PREMIER ACCESS | 237 | $14K |
| Life insurance | LINCOLN NATIONAL LIFE | 223 | $46K |
| Short-term disability | LINCOLN NATIONAL LIFE | 222 | $29K |
| Long-term disability | LINCOLN NATIONAL LIFE | 222 | $25K |
| Other | LINCOLN NATIONAL LIFE | 223 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.