| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | AETNA | $68K | $7K | $76K | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | AETNA | $34K | — | $34K | 4.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | LINCOLN NATIONAL | $3K | $359 | $3K | 14.84% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $148 | $148 | 0.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVIC | — | LINCOLN NATIONAL | $2K | $335 | $2K | 11.10% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $139 | $139 | 0.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | LINCOLN NATIONAL | $2K | $291 | $2K | 11.59% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $121 | $121 | 0.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | VISION SERVICE PLAN | $1K | — | $1K | 5.85% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA | 139 | $2.3M |
| Vision | VISION SERVICE PLAN | 126 | $17K |
| Life insurance | LINCOLN NATIONAL | 170 | $21K |
| Short-term disability | LINCOLN NATIONAL | 171 | $19K |
| Long-term disability | LINCOLN NATIONAL | 171 | $23K |
| Other | LINCOLN NATIONAL | 170 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.