| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFG LLC3 Filed as: MFG BENEFITS, LLC | 1325 AIRMOTIVE WAY, SUITE 390 RENO, NV 89502 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC.(G1525) | $5K | $0 | $5K | 0.92% |
| L/P INSURANCE SERVCIES LLC3 | 300 E 2ND STREET SUITE 1300 RENO, NV 89501 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC.(G1525) | $466 | $0 | $466 | 0.09% |
| MFG LLC3 Filed as: MFG BENEFITS, LLC | 1325 AIRMOTIVE WAY, SUITE 390 RENO, NV 89502 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC (G1525) | $477 | $0 | $477 | 0.92% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES LLC | 300 E 2ND STREET, SUITE 1300 RENO, NV 89501 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC (G1525) | $45 | $0 | $45 | 0.09% |
| MFG LLC3 Filed as: MFG BENEFITS LLC | 1325 AIRMOTIVE WAY, SUITE 390 RENO, NV 89502 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $60 | $0 | $60 | 8.17% |
| MFG LLC3 Filed as: MFG BENEFITS LLC | 1325 AIRMOTIVE WAY, STE 390 RENO, NV 89502 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC (G1525) | $68 | $0 | $68 | — |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES LLC | 300 E 2ND STREET, SUITE 1300 RENO, NV 89501 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC (G1525) | $6 | $0 | $6 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MFG BENEFITS, LLC EIN 03-0497123 BROKER | Direct payment from the plan Service code 50 | 1325 AIRMOTIVE WAY, SUITE 390 RENO, NV 89502 | $6K |
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 | 59 | 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) | 59 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC.(G1525) | 59 | $542K |
| Dental | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC (G1525) | 67 | $52K |
| Vision | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC (G1525) | 61 | $0 |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 68 | $734 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 68 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.