| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LAUGHTON COMPANY3 | 140 WASHINGTON STREET SUITE 100 RENO, NV 89503 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $15K | — | $15K | 3.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | 375 EAST WARM SPRINGS ROAD SUITE 201 LAS VEGAS, NV 89119 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $5K | — | $5K | 0.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN BENEFIT ADMIN INC. | 721 SOUTH PARKER STREET SUITE 300 ORANGE, CA 928684732 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 6.89% |
| THE LAUGHTON COMPANY3 | 140 WASHINGTON STREET SUITE 100 RENO, NV 895035690 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY WEST LAKE HILLS, TX 787466446 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.17% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | 375 EAST WARM SPRINGS ROAD SUITE 201 LAS VEGAS, NV 89119 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.58% |
| THE LAUGHTON COMPANY3 | 140 WASHINGTON STREET SUITE 100 RENO, NV 89503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS ADMN INC. | 721 SOUTH PARKER ROAD SUITE 300 ORANGE, CA 92868 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | 5895 HOME GARDENS DRIVE SUITE A RENO, NV 89502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $765 | — | $765 | 3.55% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 71 | $495K |
| Dental(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 167 | $574K |
| Vision(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 167 | $574K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $79K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $22K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.