| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $22K | — | $22K | 3.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4851 LBJ FREEWAY #1100 DALLAS, TX 75244 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $11K | $11K | 1.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN | $9K | — | $9K | 2.77% |
| JEFFREY STEPHENS3 | 26 CORTE MONTERREY MORAGA, CA 94556 | KAISER FOUNDATION HEALTH PLAN | $3K | — | $3K | 0.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $898 | $4K | 4.62% |
| JEFFREY WILLIAMS STEPHENS3 | 235 MONTGOMERY ST FL 28 SAN FRANCISCO, CA 94104 | PRINCIPAL LIFE INSURANCE COMPANY | $960 | — | $960 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $283 | $2K | 8.46% |
| JEFFREY WILLIAMS STEPHENS3 | 235 MONTGOMERY ST FL 28 SAN FRANCISCO, CA 94104 | PRINCIPAL LIFE INSURANCE COMPANY | $626 | — | $626 | 2.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 3470 MT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | VISION SERVICE PLAN | $475 | — | $475 | 6.20% |
| JEFF STEPHENS3 | 32 SKYLINE ROAD SAN ANSELMO, CA 94960 | VISION SERVICE PLAN | $158 | — | $158 | 2.06% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 88 | $944K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $82K |
| Vision | VISION SERVICE PLAN | 87 | $8K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 88 | $606K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 84 | $26K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 84 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.