| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8360 WEST SAHARA AVENUE, SUITE 110 LAS VEGAS, NV 89117 | PROMINENCE HEALTH PLAN | $41K | $0 | $41K | 2.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 7.38% |
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE, SUITE 200 NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 3.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PREMIER ACCESS INSURANCE COMPANY | $3K | $0 | $3K | 3.90% |
| ORGILL/SINGER & ASSOCIATES INC4 Filed as: ORGILL/SINGER AND ASSOCIATES | 8360 WEST SAHARA AVENUE SUITE 110 LAS VEGAS, NV 89117 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $343 | $0 | $343 | 18.23% |
| MURFF MEDIA, LLC4 | 3776 HOWARD HUGHES PARKWAY UNIT 532 LAS VEGAS, NV 89169 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $34 | $0 | $34 | 1.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC. | 10000 WEST CHARLESTON BOULEVARD SUITE 200 LAS VEGAS, NV 89135 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 4.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.67% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 293 | $1.5M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 340 | $86K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $17K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 370 | $134K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 370 | $133K |
| Prescription drug | PROMINENCE HEALTH PLAN | 293 | $1.5M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 370 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.