No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC EIN 52-1590516 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $526K |
| CONST. IND. & LABORERS H&W TRUST EIN 88-6002912 NONE | Other services Service code 49 | — | $419K |
| BROWNSTEIN, HYATT, FARBER, SCHRECK EIN 26-1367865 NONE | Legal Service code 29 | — | $393K |
| STEWART, ARCHIBALD & BARNEY, LLP EIN 88-0382649 NONE | Accounting (including auditing) Service code 10 | — | $268K |
| THE SEGAL COMPANY (MIDWEST), INC. EIN 13-1975125 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $163K |
| INNOVATIVE HEALTHCARE DELIVERY EIN 45-4308529 NONE | Consulting (general) Service code 16 | — | $147K |
| NATIONAL INVESTMENT SERVICES, INC EIN 80-0169636 NONE | Investment management fees paid directly by plan Service code 51 | — | $119K |
| MULTIPLAN SERVICES CORP EIN 06-1533300 NONE | Other fees Service code 99 | — | $61K |
| BENECARD SERVICES, INC EIN 22-2998772 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $43K |
| AMERICAN HEALTH HOLDING, INC. EIN 31-1368946 NONE | Other services Service code 49 | — | $36K |
| BEHAVIORAL HEALTH OPTIONS EIN 88-0267857 | Other services Service code 49 | — | $27K |
| TRUE CHOICE NEVADA EIN 46-3256079 NONE | Consulting (general) Service code 16 | — | $24K |
| HEALTH SERVICES COALITION EIN 88-0492643 NONE | Other services Service code 49 | — | $20K |
| NUWEST INSURANCE SERVICES, INC. EIN 36-1436000 NONE | Insurance agents and brokers Service code 22 | — | $19K |
| SYNERGY LABORATORIES DBA LAB EXPRES EIN 26-0753052 NONE | Other services Service code 49 | — | $19K |
| BMO HARRIS BANK N.A. EIN 36-2085229 NONE | Custodial (other than securities); Custodial (securities) Service code 18 | — | $18K |
| HEALTH CLAIM AUDITORS, INC. EIN 88-0420540 | Accounting (including auditing) Service code 10 | — | $11K |
| NEW ENGLAND PENSION CONSULTANTS LLC EIN 26-1429809 NONE | Consulting (general) Service code 16 | — | $11K |
| DIVERSIFIED DENTAL SERVICES, INC. EIN 88-0346054 NONE | Consulting (general) Service code 16 | — | $11K |
| QUEST DIAGNOSTICS INC. EIN 88-0099333 NONE | Claims processing Service code 12 | — | $9K |
| PURDUE MARION & ASSOCIATES EIN 88-0492943 NONE | Other services Service code 49 | — | $7K |
| HEALTH STRATEGIES INC EIN 86-0851201 NONE | Other services Service code 49 | — | $6K |
| THE VIRTUOUS GROUP EIN 27-0365275 NONE | Consulting (general) Service code 16 | — | $6K |
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 | 897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 417 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 1,724 | $5.4M |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 1,724 | $5.6M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,224 | $42K |
| Prescription drug | HEALTH PLAN OF NEVADA | 1,724 | $5.4M |
| Stop-loss / reinsurancereinsurance | MEDICAL EXCESS | 457 | $247K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,275 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,724 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.