| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $36K | — | $36K | 4.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $3K | $880 | $4K | 6.61% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | UNITED OF OMAHA | — | $2K | $2K | 3.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $733 | $733 | 1.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $3K | $802 | $3K | 19.61% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | UNITED OF OMAHA | — | $1K | $1K | 6.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $334 | $334 | 1.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $1K | $313 | $2K | 18.24% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | UNITED OF OMAHA | — | $580 | $580 | 6.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $130 | $130 | 1.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $1K | $255 | $2K | 17.96% |
| ALTERITY GROUP3 Filed as: ALTERITY | — | UNITED OF OMAHA | — | $518 | $518 | 6.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $106 | $106 | 1.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $841 | $290 | $1K | 13.45% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | UNITED OF OMAHA | — | $252 | $252 | 3.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $121 | $121 | 1.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $954 | $215 | $1K | 18.37% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | UNITED OF OMAHA | — | $382 | $382 | 6.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $90 | $90 | 1.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | UNITED OF OMAHA | $435 | $114 | $549 | 18.92% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | UNITED OF OMAHA | — | $174 | $174 | 6.00% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $47 | $47 | 1.62% |
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 | 71 | 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) | 71 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 164 | $723K |
| Dental | UNITED OF OMAHA | 114 | $55K |
| Vision | UNITED OF OMAHA | 98 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 84 | $9K |
| Short-term disability | UNITED OF OMAHA | 50 | $10K |
| Long-term disability | UNITED OF OMAHA | 25 | $17K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 164 | $723K |
| Other(3 contracts) | UNITED OF OMAHA | 84 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.