| 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. | $1K | $0 | $1K | 0.15% |
| MFG LLC3 Filed as: MFG BENEFITS LLC | 1325 AIRMOTIVE WAY SUITE 390 RENO, NV 89502 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $1K | — | $1K | 1.38% |
| MFG LLC3 Filed as: MFG BENEFITS LLC | 1325 AIRMOTIVE WAY SUITE 390 RENO, NV 89502 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $118 | — | $118 | 1.13% |
| MFG LLC3 Filed as: MFG BENEFITS LLC | 1325 AIRMOTIVE WAY RENO, NV 89502 | ANTHEM LIFE INSURANCE COMPANY | $118 | — | $118 | 4.47% |
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 | 72 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 74 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 72 | $792K |
| Dental | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 70 | $77K |
| Vision | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 65 | $10K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 109 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.