| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, INC | 300 EAST 2ND STREET SUITE 1300 RENO, NV 89501 | HOMETOWN HEALTH PROVIDERS INS CO INC | $26K | — | $26K | 3.95% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, INC | 300 EAST 2ND STREET SUITE 1300 RENO, NV 89501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.66% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BOULEVARD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47 | — | $47 | 0.09% |
| LLOYD BARNES3 | 300 EAST SECOND STREET SUITE 1300 RENO, NV 89501 | KANSAS CITY LIFE INSURANCE COMPANY | $696 | — | $696 | 10.62% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HOMETOWN HEALTH PROVIDERS INS CO INC | 106 | $670K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $51K |
| Vision | HOMETOWN HEALTH PROVIDERS INS CO INC | 106 | $670K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $7K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.