| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED MANAGEMENT INSURANCE SERVIC3 | 998 FOURTH GREEN DR INCLINE VILLAGE, NV 89451 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 1.70% |
| ASSURED MANAGEMENT INSURANCE SERVIC3 | 998 FOURTH GREEN DR INCLINE VILLAGE, NV 89451 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $106K | $42K | $148K | 14.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $2K | — | $2K | 0.31% |
| ASSURED MANAGEMENT INSURANCE SERVIC | 998 FOURTH GREEN DR INCLINE VILLAGE, NV 89451 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | $15K | $54K | 14.00% |
| ASSURED MANAGEMENT INSURANCE SERVIC3 | 998 FOURTH GREEN DR INCLINE VILLAGE, NV 89451 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $5K | $18K | 14.00% |
| ASSURED MANAGEMENT INSURANCE SERVIC3 | 998 FOURTH GREEN DR INCLINE VILLAGE, NV 89451 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $4.8M |
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 | 3,809 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,399 | $225K |
| Vision | VISION SERVICE PLAN | 3,663 | $660K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,602 | $1.1M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,156 | $38K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,283 | $385K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,882 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,882 | — |
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.