| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRETT INSURANCE SERVICES LLC3 | 8945 W RUSSELL RD STE 180 LAS VEGAS, NV 891481228 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $2K | $419 | $2K | 0.29% |
| LAYNE INSURANCE SERVICES LLC3 Filed as: LAYNE INS SERVICES LLC | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 891232545 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | METROPOLITAN LIFE INSURANCE COMPANY | $572 | — | $572 | 1.69% |
| BARRETT INSURANCE SERVICES LLC3 | 8945 W RUSSELL RD STE 180 LAS VEGAS, NV 891481228 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.07% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 178 | $711K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $52K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $52K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.