| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBYN L PIPER3 | 2300 WEST SAHARA SUITE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $161K | $35K | $197K | 13.18% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79K | $17K | $97K | 13.25% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 11622 EL CAMINO REAL SUITE 100 SAN DIEGO, CA 92130 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | $0 | $9K | 3.55% |
| PIPER JORDAN HEALTH & BENEFITS3 Filed as: PIPER JORDAN HEALTH & BENEFITS PTRS | P.O. BOX 745025 LOS ANGELES, CA 99074 | METLIFE LEGAL PLANS | $21K | $0 | $21K | 14.86% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES OF NV | 975 KELLY JOHNSON DRIVE SUITE 100 LAS VEGAS, NV 89119 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 2.32% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF NV | P.O. BOX 743171 LOS ANGELES, CA 90074 | COMBINED INSURANCE COMPANY | $2K | $0 | $2K | 32.64% |
| PIPER JORDAN3 | 12520 HIGH BLUFF DR SAN DIEGO, CA 92130 | ZURICH AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 20.00% |
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 | 9,807 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 24 | $241K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,535 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,129 | $728K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,108 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,108 | — |
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.