| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT RESOURCE GROUP LLC3 | 5985 HOME GARDENS DRIVE, SUITE A RENO, NV 89502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 3.83% |
| JOSEPH H BOOTH3 Filed as: JOSEPH H. BOOTH | 9365 BAYPOINT CIRCLE RENO, NV 89523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 1.17% |
| MICHAEL D PERNA3 Filed as: MICHAEL D. PENA | 289 FARRIS AVENUE, SUITE B LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.98% |
| JEFF SAMMONS3 Filed as: JEFF E. SAMMONS | 2305 WEST HORIZON RIDGE PARKWAY SUITE 4023 HENDERSON, NV 89052 | TRANSAMERICA LIFE INSURANCE COMPANY | $845 | $0 | $845 | 4.88% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | PRINCIPAL LIFE INSURANCE COMPANY | $214 | $0 | $214 | 1.33% |
| MICHAEL D PERNA3 Filed as: MICHAEL D. PERNA | 289 FARRIS AVENUE, SUITE B LAS VEGAS, NV 89183 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $303 | $0 | $303 | 10.63% |
| ORGILL/SINGER & ASSOCIATES INC3 Filed as: ORGILL-SINGER AND ASSOCIATES, INC. | 8360 WEST SAHARA AVENUE, SUITE 110 LAS VEGAS, NV 89117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.21% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 8 | $3K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 890 | $606K |
| Vision | HM LIFE INSURANCE COMPANY | 196 | $14K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 53 | $19K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 45 | $17K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 53 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.