| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ORGILL/SINGER & ASSOCIATES INC3 Filed as: ORGILL/SINGER & ASSOCIATES | 8360 W. SAHARA AVE. STE 110 LOS VEGAS, NV 89117 | HEALTH PLAN OF NEVADA | $73K | $31K | $104K | 4.63% |
| ORGILL/SINGER & ASSOCIATES INC3 Filed as: ORGILL-SINGER & ASSOC | 8360 W. SAHARA AVE. STE 110 LOS VEGAS, NV 89117 | AMERITAS LIFE INSURANCE | $3K | $943 | $4K | 2.13% |
| ORGILL/SINGER & ASSOCIATES INC3 Filed as: ORGILL-SINGER & ASSOC | 8360 W. SAHARA AVE. STE 110 LOS VEGAS, NV 89117 | HARFORD LIFE AND ACCIDENT | $4K | — | $4K | 8.80% |
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 | 427 | 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) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 427 | $2.2M |
| Dental | AMERITAS LIFE INSURANCE | 422 | $181K |
| Vision | AMERITAS LIFE INSURANCE | 422 | $181K |
| Life insurance | HARFORD LIFE AND ACCIDENT | 144 | $48K |
| Short-term disability | HARFORD LIFE AND ACCIDENT | 144 | $48K |
| Prescription drug | HEALTH PLAN OF NEVADA | 427 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.