| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS - KELLY LAGROW | 975 KELLY HOHNSON DR. #100 LAS VEGAS, NV 89119 | NEVADA DENTAL BENEFITS, LTD. | $20K | $0 | $20K | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BCBS OF NEW JERSEY EIN 22-0999690 CONTRACT ADMINISTRATOR | Insurance agents and brokers; Contract Administrator; Direct payment from the plan Service code 13 | — | $232.5M |
| OPTUMRX INC. EIN 33-0441200 NONE | Claims processing; Other fees; Float revenue; Direct payment from the plan Service code 12 | — | $188.6M |
| HEALTH CARE SERVICES CORP EIN 36-1236610 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $166.0M |
| WELLDYNERX EIN 84-1515837 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $103.9M |
| TUFTS EIN 04-2674079 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $64.1M |
| USC CARE FINANCE EIN 95-4540991 NONE | Direct payment from the plan; Other services Service code 49 | — | $27.4M |
| PREMISE HEALTH EMPLOYER SOLUTIONS EIN 23-3057155 NONE | Other services; Direct payment from the plan Service code 49 | — | $23.3M |
| DELTA DENTAL PLAN OF ILLINOIS EIN 36-2612058 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $20.4M |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $18.2M |
| MOUNT SINAI HOSPITAL EIN 13-1624096 NONE | Other services; Direct payment from the plan Service code 49 | — | $5.2M |
| PHC OF NEVADA, INC EIN 04-3290453 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $4.6M |
| ALLISON CURTISS KINGSLEY MEOZ MICHA EIN 88-0350180 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $4.2M |
| DAVIS VISION INC EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $3.6M |
| ARC EXCESS & SURPLUS, LLC EIN 37-1457877 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $3.6M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Other services Service code 49 | — | $3.6M |
| CLINICAL PATHOLOGY LABORATORIES EIN 74-2554159 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.9M |
| STRUCTURED EIN 93-1099245 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $2.7M |
| MODERN ASSISTANCE PROGRAMS EIN 04-3014253 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.0M |
| LIFE RADIOLOGY LLC EIN 81-3168669 NONE | Direct payment from the plan; Other services Service code 49 | — | $2.0M |
| IRIYE MEDICAL GROUP DBA HIGH RISK EIN 88-0479581 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.7M |
| VITECH SYSTEMS GROUP INC EIN 13-3785492 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $1.2M |
| MARQUARDT PRINTING CO EIN 36-3050796 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.2M |
| MEDICAL IMAGING SPECIALISTS EIN 34-2001402 NONE | Direct payment from the plan; Other services Service code 49 | — | $1.2M |
| PSM PARTNERS EIN 47-2221667 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1.2M |
| GOVINCORP INC. EIN 83-2016517 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1.1M |
| SEYFARTH SHAW, LLP EIN 36-2152202 NONE | Legal; Direct payment from the plan Service code 29 | — | $1.0M |
| JDK TECHNOLOGIES, INC EIN 36-4403499 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $981K |
| ZELIS CLAIMS INTEGRITY, INC. EIN 84-2694744 NONE | Other services; Direct payment from the plan Service code 49 | — | $964K |
| PENFIELD MEDICAL COST CONTAINMENT NONE | Other services; Direct payment from the plan Service code 49 | — | $834K |
| HEALTH SERVICES COALITION EIN 88-0492643 NONE | Other services; Direct payment from the plan Service code 49 | — | $802K |
| PDG OF LAS VEGAS DBA PDQ PRINTING EIN 99-0400524 NONE | Direct payment from the plan; Other services Service code 49 | — | $740K |
| JAN-PRO CLEANING SYSTEMS OF LV EIN 73-1628407 NONE | Direct payment from the plan; Other services Service code 49 | — | $598K |
| MACNELL ACCOUNTING & CONSULTING LLC EIN 30-0510353 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $570K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $537K |
| WALKER, MATTHEW EIN 23-7385560 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $511K |
| LASALLE NETWORK EIN 36-4319267 NONE | Direct payment from the plan; Other services Service code 49 | — | $501K |
| CVS/CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $491K |
| ALLIED UNIVERSAL SECURITY SERVICES EIN 33-0973846 NONE | Direct payment from the plan; Other services Service code 49 | — | $460K |
| INTERCONTINENTAL REAL ESTATE CORP EIN 04-2895544 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $455K |
| VIDUEIRA, JESUS EIN 23-7385560 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $424K |
| RILEY, ANGELA EIN 23-7385560 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $409K |
| MPHASIS CORP EIN 95-4759720 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $406K |
| DIVIHN INTEGRATION INC EIN 04-3686496 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $401K |
| NOCTURNA SLEEP CENTER, LLC EIN 43-2062521 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $399K |
| BRIGHT SPOT INSIGHTS LLC EIN 92-2199383 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $386K |
| PATEL, DHARMA EIN 23-7385560 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $366K |
| OPTUMINSIGHT EIN 41-1858498 NONE | Other services; Direct payment from the plan Service code 49 | — | $365K |
| LANGUAGE LINE INC EIN 77-0586710 NONE | Direct payment from the plan; Other services Service code 49 | — | $365K |
| VANDEVUSSE, JOEL EIN 23-7385560 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $358K |
| PRESENCE HEALTHCARE SERVICES EIN 36-3330928 NONE | Other services; Direct payment from the plan Service code 49 | — | $356K |
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 | 126,506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,461 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 4 carriers) | NEVADA DENTAL BENEFITS, LTD. | 123,677 | $39.7M |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 123,986 | $6.9M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 117,657 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123,986 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.