| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $207K | — | $207K | 3.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | GUARDIAN | $10K | $4K | $14K | 4.48% |
| ALTERITY BROKER SOLUTIONS3 | — | GUARDIAN | $13K | — | $13K | 4.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITEDHEALTHCARE | $9K | — | $9K | 3.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $15K | $7K | $22K | 21.77% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | UNITED OF OMAHA | — | $5K | $5K | 4.92% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $783 | $783 | 0.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $10K | $786 | $10K | 21.62% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $327 | $327 | 0.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $5K | $632 | $5K | 16.96% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $263 | $263 | 0.81% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | $4K | $1K | $5K | 19.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA | — | $429 | $429 | 1.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $5K | $17K | $21K | 90.78% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | UNITED OF OMAHA | — | $15K | $15K | 63.73% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $691 | $691 | 2.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $4K | $11K | $15K | 70.47% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | — | UNITED OF OMAHA | — | $10K | $10K | 47.71% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $241 | $241 | 1.15% |
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 | 489 | 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) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION | 681 | $6.3M |
| Dental | GUARDIAN | 489 | $315K |
| Vision | VISION SERVICE PLAN | 386 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 380 | $134K |
| Short-term disability | UNITED OF OMAHA | 60 | $25K |
| Other(2 contracts) | UNITED OF OMAHA | 380 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.