| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INS SERVICES | — | BLUE SHIELD OF CALIFORNIA | $51K | — | $51K | 5.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION | $10K | $1 | $10K | 4.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $8K | $1 | $8K | 4.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | PREMIER ACCESS | $15K | — | $15K | 10.02% |
| BRMS3 | — | PREMIER ACCESS | $5K | — | $5K | 3.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION NORTHWEST | $5K | — | $5K | 4.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INS SERVICES | — | KAISER FOUNDATION COLORADO | $3K | — | $3K | 5.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | LINCOLN NATIONAL LIFE | $2K | — | $2K | 5.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | LINCOLN NATIONAL LIFE | $3K | — | $3K | 7.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | LINCOLN NATIONAL LIFE | $3K | — | $3K | 12.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INS SERVICES | — | KAISER FOUNDATION OF WASHINGTON | $1K | — | $1K | 4.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | VISION SERVICE PLAN | $1K | — | $1K | 5.47% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | BLUE SHIELD OF CALIFORNIA | 167 | $1.5M |
| Dental | PREMIER ACCESS | 282 | $149K |
| Vision | VISION SERVICE PLAN | 178 | $20K |
| Life insurance | LINCOLN NATIONAL LIFE | 229 | $46K |
| Short-term disability | LINCOLN NATIONAL LIFE | 229 | $37K |
| Long-term disability | LINCOLN NATIONAL LIFE | 230 | $29K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 167 | $974K |
| Other | LINCOLN NATIONAL LIFE | 229 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
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.