| 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 | $151K | $20K | $171K | 10.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8337 W SUNSET RD SUITE 150 LAS VEGAS, NV 89113 | KAISER FOUNDATION HEALTH PLAN, INC | $59K | $0 | $59K | 5.38% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78K | $10K | $88K | 10.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. OF NV | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | KAISER FOUNDATION HEALTH PLAN, INC | $20K | $0 | $20K | 4.59% |
| 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 | 5.36% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 11622 EL CAMINO REAL SUITE 100 SAN DIEGO, CA 92130 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 3.48% |
| PIPER JORDAN HEALTH & BENEFITS3 Filed as: PIPER JORDAN HEALTH & BENEFITS PTRS | P.O. BOX 745025 LOS ANGELES, CA 99074 | METLIFE LEGAL PLANS | $15K | $0 | $15K | 9.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV, INC. | PO BOX 743171 LOS ANGELES, CA 90074 | METLIFE LEGAL PLANS | $8K | $920 | $9K | 5.64% |
| 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 | METLIFE LEGAL PLANS | $0 | $129 | $129 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | DEPT. CH 14061 PALATINE, IL 60055 | METLIFE LEGAL PLANS | $0 | $98 | $98 | 0.06% |
| 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 | 5.21% |
| PIPER JORDAN3 | 12520 HIGH BLUFF DR SAN DIEGO, CA 92130 | ZURICH AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 19.99% |
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 | 10,415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 147 | $2.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,103 | $1.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,270 | $844K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,908 | $1.8M |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.