| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBYN L PIPER3 | 12520 HIGH BLUFF DR SUITE 240 SAN DIEGO, CA 921302062 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $53K | $53K | 2.64% |
| PLANSOURCE BENEFITS ADMINISTRATIONS3 | 101 S GARLAND AVE SUITE 203 LAS VEGAS, NV 891024397 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $15K | $15K | 0.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | PO BOX 743171 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $0 | $23K | $23K | 2.09% |
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 | 2,971 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | SIMNSA | 876 | $3.7M |
| Dental(2 contracts, 2 carriers) | SIMNSA | 876 | $1.7M |
| Vision(4 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,675 | $167K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,533 | $2.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 8,910 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8,910 | $1.1M |
| Prescription drug(3 contracts, 2 carriers) | SIMNSA | 876 | $3.7M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 4,533 | $2.0M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 4,533 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,910 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.