| 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 | $135K | $27K | $161K | 12.00% |
| ROBYN PIPER3 | 2300 WEST SAHARA AVENUE SUITE 800 LAS VEGAS, NV 89102 | KAISER FOUNDATION HEALTH PLAN, INC | $55K | $0 | $55K | 4.58% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76K | $15K | $91K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. OF NV | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 89119 | KAISER FOUNDATION HEALTH PLAN, INC | $23K | $0 | $23K | 4.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF ADA, INC | PO BOX 743171 LOS ANGELES, CA 90074 | VISION CARE | $7K | $0 | $7K | 2.01% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 WEST SAHARA DRIVE SUITE 800 LAS VEGAS, NV 89102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $18K | $0 | $18K | 5.10% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 11622 EL CAMINO REAL SUITE 100 SAN DIEGO, CA 92130 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $5K | $0 | $5K | 3.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV, INC. | PO BOX 743171 LOS ANGELES, CA 90074 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $14K | $139 | $14K | 9.99% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $3K | $3K | 2.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES OF NV | 975 KELLY JOHNSON DRIVE SUITE 100 LAS VEGAS, NV 89119 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $1K | $1K | 1.00% |
| ROBYN PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $6K | $0 | $6K | 5.05% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $4K | $0 | $4K | 4.84% |
| PIPER JORDAN3 | 12520 HIGH BLUFF DR SAN DIEGO, CA 92130 | ZURICH AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 19.99% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $110 | $22 | $132 | 11.96% |
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 | 10,767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 175 | $2.4M |
| Vision | VISION CARE | 3,379 | $372K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,582 | $1.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $1K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,477 | $761K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,908 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,908 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.