| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A AND H INSURANCE INC.3 Filed as: A AND H INSURANCE | 3301 S VIRGINIA ST RENO, NV 89502 | HOMETOWN HEALTH | $31K | — | $31K | 1.48% |
| A AND H INSURANCE INC.3 Filed as: A AND H INSURANCE | 3301 S VIRGINIA ST RENO, NV 89502 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.33% |
| PROSESSION INC3 | 950 UNVIERSITY PARK LOOP N RENO, NV 89512 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 7.50% |
| A AND H INSURANCE INC.3 Filed as: A AND H INSURANCE | 3301 S VIRGINIA ST RENO, NV 89502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.34% |
| TAMARA ANNE HINES3 | 2955 LAKESIDE RENO, NV 89509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $112 | $2K | 3.90% |
| STEPHANIE NOELLE KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $142 | $581 | 0.91% |
| WARREN LEE RUND3 | 11488 SITKA ST RENO, NV 89506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $505 | — | $505 | 0.79% |
| CONNIE SIGNE FENT3 | PO BOX 100 CARSON CITY, NV 89702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.28% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $88 | $109 | 0.17% |
| BRIAN ROBERT LLOYD3 | 3053 COPPERWOOD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $70 | $90 | 0.14% |
| MARIA REYNA MUNOZ GUERRA3 | 400 EAST 2ND AVE SUN VALLEY, NV 89433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.04% |
| A AND H INSURANCE INC.3 Filed as: A AND H INSURANCE | 3301 S VIRGINIA ST RENO, NV 89502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.61% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 343 | $160K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 343 | $160K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $11K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 67 | $64K |
| Other(3 contracts, 3 carriers) | HOMETOWN HEALTH | 196 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.