| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARR INTERNATIONAL INC3 Filed as: STARR INTERNATINAL INC | 1917 WANDERING ROAD ENCINISTAS, CA 92024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $43K | — | $43K | 4.60% |
| LEAVITT GROUP3 Filed as: LEAVITT INS. AGENCY OF SAN DIEGO | 3363 NOBEL DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $27 | $4K | 0.37% |
| STARR INTERNATIONAL INC3 | 1917 WANDERING ROAD ENCINITAS, CA 92024 | KAISER FOUNDATION HEALTH PLAN INC. | $13K | — | $13K | 4.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $724 | — | $724 | 6.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $452 | — | $452 | 6.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $353 | — | $353 | 8.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $90 | — | $90 | 6.04% |
| HEIDI LEBHERZ3 | 1917 WANDERING ROAD ENCINITAS, CA 92024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 5.12% |
| PEACHETTA M REID3 | 2187 MANCHESTER AVENUE CARDIFF BY THE SEA, CA 92007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 1.80% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 95 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 95 | $940K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 95 | $940K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $7K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $4K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $12K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 53 | $313K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.