| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE RISK SOLUTIONS LLC3 Filed as: ALTERNATIVE RISK SOLUTIONS | 101 2ND STREET, SUITE 100 PETALUMA, CA 94952 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $144K | $144K | 6.00% |
| ALTERNATIVE RISK SOLUTIONS LLC3 Filed as: ALTERNATIVE RISK SOLUTIONS | 101 2ND STREET, SUITE 100 PETALUMA, CA 94952 | SYMETRA LIFE INSURANCE COMPANY | $0 | $100 | $100 | 6.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3.3M |
| CVS HEALTH EIN 05-0340626 PHARMACY BENEFITS MANAGER | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $419K |
| SMITH CONSULTING, LLC EIN 81-0579832 CONSULTING | Consulting (general) Service code 16 | — | $312K |
| HARMONY PHC EIN 04-3290453 SERVICE PROVIDER | Other services; Contract Administrator Service code 13 | — | $255K |
| LIBERTY DENTAL PLAN OF NEVADA, INC. EIN 26-0424586 CLAIMS PROCESSING | Other services; Claims processing Service code 12 | — | $239K |
| VISION SERVICE PLAN EIN 23-7089668 CLAIMS PROCESSING | Claims processing Service code 12 | — | $71K |
| UNITED OF OMAHA LIFE INSURANCE COMP EIN 47-0322211 CLAIMS PROCESSING | Claims processing Service code 12 | — | $65K |
| TOWERS WATSON PENNSYLVANIA INC. EIN 23-1159360 ACTUARIAL | Actuarial Service code 11 | — | $34K |
| HEALTH CLAIM AUDITORS EIN 88-0420540 OUTSIDE AUDITOR | Accounting (including auditing) Service code 10 | — | $33K |
| MAXIM HEALTHCARE SERVICES, INC. EIN 52-1590951 OTHER SERVICES | Other services Service code 49 | — | $19K |
| WIPFLI LLP EIN 39-0758449 OUTSIDE AUDITOR | Accounting (including auditing) Service code 10 | — | $15K |
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 | 8,801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 350 | $20K |
| Dental | LIBERTY DENTAL PLAN OF NEVADA, INC. | 2,420 | $766K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7,479 | $316K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 434 | $5.5M |
| Other(7 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,479 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,479 | — |
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."
No prospect flags tripped on this filing.