| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $30K | — | $30K | 3.98% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, STE 1100 NEWPORT BEACH, CA 92660 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 10.00% |
| KAREN NIXON3 | 620 NEWPORT CENTER DRIVE, STE 1100 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.72% |
| KAREN NIXON3 | 620 NEWPORT CENTER DRIVE, STE 1100 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.15% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, 11TH FL. NEWPORT BEACH, CA 92660 | DELTA DENTAL OF CALIFORNIA | $772 | — | $772 | 9.99% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 112 | $746K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 75 | $43K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 75 | $35K |
| Life insurance | STANDARD INSURANCE COMPANY | 125 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 109 | $25K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 112 | $746K |
| Other | STANDARD INSURANCE COMPANY | 125 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.