| 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. | $17K | — | $17K | 4.08% |
| AMERICAN WORKSITE INSURANCE MKTG3 Filed as: AMERICAN WORKSITE INSURANCE MKTG. | 1365 WEST VISTA WAY, SUITE 201 VISTA, CA 92083 | TRANSAMERICA LIFE INSURANCE CO. | $3K | — | $3K | 7.88% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | 1200 E. TAFT STREET SAPULPA, OK 74066 | TRANSAMERICA LIFE INSURANCE CO. | $2K | — | $2K | 6.45% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | TRANSAMERICA LIFE INSURANCE CO. | $995 | — | $995 | 3.08% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.53% |
| WILLNER-CARDINET-KIDWELL3 | 333 N. INDIAN HILL BLVD. CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.15% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $2K | $57 | $2K | 13.19% |
| AMERICAN WORKSITE INSURANCE MKTG3 Filed as: AMERICAN WORKSITE INSURANCE MKTG. | 1200 E. TAFT SAPULPA, OK 74066 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 11.03% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | UNION SECURITY INSURANCE COMPANY | $610 | — | $610 | 4.64% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | ONE RIVERFRONT PLAZA WESTBROOK, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $565 | $565 | 4.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | — | $197 | $197 | 1.50% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $483 | — | $483 | 9.82% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $349 | — | $349 | 10.00% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 109 | $406K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $30K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 73 | $5K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE CO. | 121 | $36K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE CO. | 46 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $11K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 109 | $406K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE CO. | 121 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.