| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP - NATIONAL ACCOUNT SERVICES INC | PO BOX 29675 PHOENIX, AZ 85038 | HARTFORD LIFE AND ACCIDENT | $71K | $56K | $127K | 10.97% |
| NATIONAL ACCOUNT SERVICES Filed as: NATIONAL ACCOUNT SERVICES INC. | 11111 SANTA MONICA BLVD., STE. 1150 LOS ANGELES, CA 90025 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES INC | 7272 E. INDIAN SCHOOL ROAD, STE 220 SCOTTSDALE, AZ 85251 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 5.00% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATION LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | HYATT LEGAL PLANS | — | $40 | $40 | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES INC | 7272 E INDIAN SCHOOL ROAD SUITE 220 PHOENIX, AZ 85251 | HARTFORD LIFE AND ACCIDENT | $771 | $276 | $1K | 20.36% |
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 | 1,962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 172 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 3,792 | $21.0M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 3,525 | $1.8M |
| Vision | VISION SERVICE PLAN | 1,969 | $291K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,943 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,943 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 3,792 | $21.0M |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 4,943 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,943 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.