| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIPER JORDAN3 Filed as: PIPER JORDAN, LLC | 2300 W. SAHARA AVE., SUITE 800 LAS VEGAS, NV 89102 | PREMIER ACCESS INSURANCE COMPANY | $25K | $0 | $25K | 8.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | DBA PIPER JORDAN 2300 W. SAHARA AVE., SUITE 800 LAS VEGAS, NV 89102 | PREMIER ACCESS INSURANCE COMPANY | $15K | $0 | $15K | 4.91% |
| ROBYN L PIPER3 Filed as: ROBYN L. PIPER | 2300 W. SAHARA AVE., SUITE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $5 | $10K | 6.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | 975 KELLY JOHNSON DR SUITE 100 LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $196 | $2K | 0.94% |
| ROBYN PIPER3 | 2300 W. SAHARA AVE., SUITE 800 LAS VEGAS, NV 89102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PIPER JORDAN | 12520 HIGH BLUFF DR SUITE 240 SAN DIEGO, CA 92130 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.70% |
| ROBYN PIPER3 | 2300 W SAHARA AVENUE SUITE 800 LAS VEGAS, NC 89102 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | 2300 WEST SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.93% |
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 | 2,042 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 8 | $18K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 832 | $309K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 709 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $164K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $164K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.