| 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. | $31K | — | $31K | 3.33% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.85% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $999 | — | $999 | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $841 | — | $841 | 10.00% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $714 | — | $714 | 10.65% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $553 | — | $553 | 10.01% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $450 | — | $450 | 9.99% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DR., 11TH FLOOR NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $391 | — | $391 | 10.01% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 156 | $926K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $45K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 117 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $18K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 156 | $926K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.