| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | — | KAISER FOUNDATION HEALTH PLAN | $24K | — | $24K | 2.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $20K | $143 | $20K | 17.12% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $119 | $119 | 0.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | SUN LIFE | $3K | — | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 | — | SUN LIFE | — | $186 | $186 | 0.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | — | $48 | $48 | 0.26% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $20 | $20 | 0.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $689 | $13 | $702 | 15.29% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $5 | $5 | 0.11% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 113 | $932K |
| Dental | UNITED OF OMAHA | 123 | $117K |
| Vision | SUN LIFE | 122 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 148 | $23K |
| Other(2 contracts) | UNITED OF OMAHA | 148 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.