| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS INC | 139 E WARM SPRINGS RD LAS VEGAS, NV 89119 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $37K | $0 | $37K | 5.10% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS INC | 139 E WARM SPRINGS RD LAS VEGAS, NV 89119 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $6K | $0 | $6K | 8.00% |
| NATIONAL HEALTHCARE ACCESS3 Filed as: NATIONAL HEALTHCARE ACCESS AGC | 139 E WARM SPRINGS RD LAS VEGAS, NV 89119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.52% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD #103 INDEPENDENCE, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.07% |
| D'ANN DABELL3 | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $599 | $0 | $599 | 15.58% |
| AARON C KREPS3 | 819 E RIVERPARK LN BOISE, ID 83706 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $337 | $0 | $337 | 8.77% |
| VERONICA TICE3 | 2505 SPRINGBROOK DR LAS VEGAS, NV 89134 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $81 | $0 | $81 | 2.11% |
| CHRISTOPHER R KLEMS3 | 14 E WASHINGTON ST, 2ND FLOOR ORLANDO, FL 32801 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $33 | $0 | $33 | 0.86% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 199 | $836K |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 100 | $77K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 199 | $736K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $38K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $38K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $38K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.