| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | BLUE CROSS BLUE SHIELD OF ARIZONA | $62K | — | $62K | 3.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $28K | — | $28K | 4.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | UNITED OF OMAHA | $5K | $2K | $7K | 8.84% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $873 | $873 | 1.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA LIFE | $6K | $1K | $7K | 16.19% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE | — | $491 | $491 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | UNITED OF OMAHA | $4K | $906 | $5K | 13.79% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $377 | $377 | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC. | — | METLIFE | $4K | — | $4K | 11.77% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 270 | $2.2M |
| Vision | METLIFE | 218 | $30K |
| Life insurance | UNITED OF OMAHA LIFE | 101 | $42K |
| Short-term disability | UNITED OF OMAHA | 260 | $81K |
| Long-term disability | UNITED OF OMAHA | 57 | $34K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 270 | $1.6M |
| Other | UNITED OF OMAHA LIFE | 101 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.