| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $146K | — | $146K | 3.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | GUARDIAN | $9K | $10K | $19K | 7.82% |
| ALTERITY BROKER SOLUTIONS3 | — | GUARDIAN | $12K | — | $12K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | SYMETRA LIFE INS. | $13K | — | $13K | 15.00% |
| VOLUNTARY BENEFIT ADVISORS3 | — | UNUM | $17K | $2K | $20K | 33.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICE | — | UNUM | $12K | $1K | $13K | 22.54% |
| VOLUNTARY BENEFIT ADVISORS3 | — | PROVIDENT LIFE | $15K | $2K | $17K | 37.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | PROVIDENT LIFE | $10K | $776 | $11K | 25.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES | — | PROVIDENT LIFE | — | $517 | $517 | 1.17% |
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 | 503 | 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) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION | 625 | $4.1M |
| Dental | GUARDIAN | 312 | $247K |
| Vision | VISION SERVICE PLAN | 286 | $16K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INS. | 381 | $132K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INS. | 381 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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.