| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES INC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | HEALTH PLAN OF NEVADA | $16K | $4K | $20K | 2.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 4.00% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES INC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 2.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | PO BOX 2480 DAYTONA BEACH, FL 32115 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 1.93% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 145 | $906K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $171K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $171K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $171K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $171K |
| Prescription drug | HEALTH PLAN OF NEVADA | 145 | $906K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.