| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAERCHER INSURANCE AGENCY INC.3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | HEALTH PLAN OF NEVADA | $40K | — | $40K | 4.94% |
| KAERCHER INSURANCE AGENCY INC.3 Filed as: KAERCHER CAMPBELL & ASSOCIATES | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 7.14% |
| RICHARD W. KRAUSE3 | 8400 DEL REY AVENUE LAS VEGAS, NV 89117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.24% |
| KAERCHER INSURANCE AGENCY INC.3 | 9555 HILLWOOD DRIVE, SUITE 140 LAS VEGAS, NV 89134 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.43% |
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INSURANCE SOLUTIONS INC. | 4371 LATHAM STREET, SUITE 101 BLDG. M3, SUITE 320 RIVERSIDE, CA 92501 | UNITED HEALTHCARE INSURANCE COMPANY | — | $344 | $344 | 0.37% |
| VARIOUS - SEE ATTACHED3 | C/O CONTINENTAL AMERICAN INS. CO. P.O. BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $789 | — | $789 | 10.87% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 177 | $896K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $181K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $181K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $189K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $189K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $181K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 177 | $896K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.