| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIPER JORDAN HEALTH & BENEFITS3 Filed as: PIPER JORDAN HEALTH & BENEFITS, LLC | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | GUARDIAN | $21K | $0 | $21K | 6.80% |
| ROBYN L PIPER3 | 12520 HIGH BLUFF DR SUITE 240 SAN DIEGO, CA 92130 | GUARDIAN | $10K | $0 | $10K | 3.20% |
| PIPER JORDAN HEALTH & BENEFITS3 | 8337 W SUNSET RD SUITE 150 LAS VEGAS, NV 89113 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.87% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS OF NV | 975 KELLY JOHNSON DR SUITE 100 LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 6.35% |
| BROWN & BROWN INSURANCE SERVICES3 | 125 E. ELM STREET CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 18.18% |
| BROWN & BROWN INSURANCE SERVICES3 | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $581 | $6K | 11.11% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $440 | $3K | 5.93% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN DBA PIPER JORDAN | 12520 HIGH BLUFF DR SUITE 240 SAN DIEGO, CA 92130 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.19% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 18.60% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 20.66% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM INSURANCE COMPANY | $4K | $595 | $4K | 17.38% |
| PIPER JORDAN HEALTH & BENEFITS3 | PO BOX 745025 LOS ANGELES, CA 99074 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 10.80% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 975 KELLY JOHNSON DRIVE SUITE 100 LAS VEGAS, NV 89119 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $282 | $282 | 2.55% |
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 | 1,014 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 86 | $77K |
| Dental | GUARDIAN | 687 | $314K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 828 | $50K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 578 | $193K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 446 | $137K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 446 | $137K |
| Other(6 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 578 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 828 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.