| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES, LLC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | HEALTH PLAN OF NEVADA | $39K | $10K | $49K | 4.97% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES, LLC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 6.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 8337 WEST SUNSET ROAD, SUITE 1500 LAS VEGAS, NV 89113 | UNITEDHEALTHCARE INSURANCE COMPANY | -$18 | $0 | -$18 | -0.01% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 161 | $978K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $157K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $157K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $157K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $157K |
| Prescription drug | HEALTH PLAN OF NEVADA | 161 | $978K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.