| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAUTER AND COMPANY, LLC3 Filed as: KRAUTER AND COMPANY LLC | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | HEALTH PLAN OF NEVADA | $48K | — | $48K | 3.06% |
| KRAUTER AND COMPANY, LLC3 | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 9.12% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.93% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.95% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $602 | $3K | 12.76% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $346 | $3K | 17.14% |
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 | 233 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 358 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $135K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $135K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $22K |
| Prescription drug | HEALTH PLAN OF NEVADA | 358 | $1.6M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.