| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTALIS BENEFITS3 | — | LINCOLN NATIONAL LIFE | $5K | $2K | $7K | 21.06% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $250 | $250 | 0.70% |
| TOTALIS BENEFITS3 | — | LINCOLN NATIONAL | $3K | $1K | $5K | 21.10% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $160 | $160 | 0.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDIAN | $4K | $659 | $5K | 25.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNUM | $4K | — | $4K | 22.00% |
| TOTALIS BENEFITS3 | — | LINCOLN NATIONAL | $2K | $737 | $3K | 21.11% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $89 | $89 | 0.74% |
| TOTALIS BENEFITS3 | — | LINCOLN NATIONAL | $1K | $541 | $2K | 21.09% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $65 | $65 | 0.73% |
| TOTALIS BENEFITS3 | — | LINCOLN NATIONAL LIFE | $1K | $518 | $2K | 21.59% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $83 | $83 | 1.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIM ADM | Claims processing Service code 12 | — | $94K |
| NFP CA INS SERVICES EIN 94-2741175 BROKER | Other commissions Service code 55 | — | $49K |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 123 | $18K |
| Vision | GUARDIAN | 123 | $18K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 163 | $55K |
| Short-term disability | LINCOLN NATIONAL | 122 | $9K |
| Long-term disability | LINCOLN NATIONAL | 122 | $22K |
| Other(4 contracts, 4 carriers) | UNUM | 200 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.