| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 945233979 | KAISER FOUNDATION HEALTH PLAN INC | $41K | — | $41K | 3.99% |
| FULLERTON INSURANCE SERVICE IN3 | 1009 S PLACENTIA AVE FULLERTON, CA 92831 | BLUE SHIELD OF CALIFORNIA | — | $27K | $27K | 4.20% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | LLC 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA | $13K | — | $13K | 2.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | PREMIER ACCESS INSURANCE COMPANY | $7K | — | $7K | 8.68% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | LLC 1600 W. HILLSDALE BLVD SUITE #201 SAN MATEO, CA 94402 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 5.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | STE 600 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $351 | $7K | 15.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | STE 600 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $623 | $11 | $634 | 2.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | VSP | $2K | — | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | STE 600 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $52 | $2K | 9.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $35 | $35 | 0.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | STE 600 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $104 | $2K | 15.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | STE 600 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $79 | $1K | 10.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | STE 600 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $70 | $1K | 15.68% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 183 | $1.7M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 254 | $77K |
| Vision | VSP | 126 | $21K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $75K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $14K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 127 | $643K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.