| 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 | $73K | — | $73K | 5.00% |
| 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 | $16K | — | $16K | 7.43% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 28.22% |
| SULLIVAN GROUP LLC3 Filed as: SULLIVAN AGENCY INC. | 36 DESERT HIGHLANDS DRIVE HENDERSON, NV 89052 | TRANSAMERICA LIFE INSURANCE COMPANY | $540 | — | $540 | 1.65% |
| TRANSAMERICA AGENCYNETWORK, INC.3 | 4333 EDGEWOOD ROAD N.E. CEDAR RAPIDS, IA 52499 | TRANSAMERICA LIFE INSURANCE COMPANY | $155 | — | $155 | 0.47% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 282 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $221K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $221K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $221K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $221K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $221K |
| Prescription drug | HEALTH PLAN OF NEVADA | 282 | $1.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.