| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 LA JOLLA, CA 91185 | HEALTH PLAN OF NEVADA | $95K | $0 | $95K | 2.68% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 LA JOLLA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | $7K | $292 | $7K | 3.09% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 LA JOLLA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 22.28% |
| HODGES-MACE LLC3 | 5775 EAST GLENRIDGE DRIVE, SUITE 50 ATLANTA, GA 30328 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.79% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SVCS OF THE WEST, LLC | 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 31367 | TRANSAMERICA LIFE INSURANCE COMPANY | $603 | $0 | $603 | 1.02% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $292 | $0 | $292 | 3.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC. | 2603 WEST CHARLESTON BOULEVARD LAS VEGAS, NV 89102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 975 KELLY JOHNSON DRIVE LAS VEGAS, NV 89119 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.21% |
| EBC, INC.3 Filed as: EBC INC. | PO BOX 20443 INDIANAPOLIS, IN 46220 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.12% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC. | 3350 RIVERWOOD PARKWAY, SUITE 80 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| MARK J MATSOCK3 Filed as: MARK J. MATSOCK AND ASSOC. INC. | 2400 EAST ARIZONA BILTMORE CIRCLE SUITE 1100 PHOENIX, AZ 85016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 751 | $3.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | 449 | $235K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 793 | $14K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 567 | $166K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 567 | $157K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 567 | $157K |
| Prescription drug | HEALTH PLAN OF NEVADA | 751 | $3.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 567 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.