| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L/P INSURANCE SERVICES3 Filed as: L P INSURANCE SERVICES INC | 8345 WEST SUNSET ROAD, SUITE 210 LAS VEGAS, NV 89113 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 4.02% |
| A AND H INSURANCE INC.3 Filed as: A AND H INSURANCE INC | 3301 SOUTH VIRGINIA STREET SUITE 201 RENO, NV 89502 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.44% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HOMETOWN HEATH | 89 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 407 | $304K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 407 | $304K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 407 | $304K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 407 | $304K |
| Prescription drug | HOMETOWN HEATH | 89 | $1.0M |
| Other(2 contracts, 2 carriers) | HOMETOWN HEATH | 407 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.