| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 975 KELLY JOHNSON DR., SUITE 100 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA | $11K | — | $11K | 1.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 975 KELLY JOHNSON DR., SUITE 100 LAS VEGAS, NV 89119 | GUARDIAN | $6K | $5K | $11K | 8.01% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, INC | 300 E. 2ND STREET SUITE 1300 RENO, NV 89501 | GUARDIAN | $5K | — | $5K | 3.56% |
| PACIFIC ADVISORS LLC | 333 INDIAN HILL BLVD CLAREMONT, CA 91711 | GUARDIAN | $24 | — | $24 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN INSURANCE OF NV INC. | 2340 CORPORATE CIRCLE 2ND FLOOR HENDERSON, NV 89074 | FIDELITY SECURITY LIFE | $729 | — | $729 | 8.00% |
| L/P INSURANCE SERVICES Filed as: L/P INSURANCE SERVICES, INC | 300 E. 2ND STREET JUPITER, FL 33458 | FIDELITY SECURITY LIFE | $214 | — | $214 | 2.35% |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 210 | $868K |
| Dental | GUARDIAN | 190 | $136K |
| Vision | GUARDIAN | 190 | $136K |
| Life insurance | GUARDIAN | 190 | $136K |
| Short-term disability | GUARDIAN | 190 | $136K |
| Long-term disability | GUARDIAN | 190 | $136K |
| Prescription drug | HEALTH PLAN OF NEVADA | 210 | $859K |
| Other | GUARDIAN | 190 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.