| 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 | $49K | $0 | $49K | 1.99% |
| MICHAEL F DILLON JR3 Filed as: MICHAEL E. DOLAN INSURANCE AGENCY | 3855 WARREN WAY RENO, NV 89509 | HOMETOWN HEALTH | $26K | $0 | $26K | 1.04% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY SAINT LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45K | $0 | $45K | 7.31% |
| DOLAN AUTO INSURANCE, LLC3 Filed as: DOLAN AUTO INSURANCE LLC | 2100 KIETZKE LANE RENO, NV 89502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | $0 | $26K | 4.13% |
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 | 481 | 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) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HOMETOWN HEALTH | 481 | $2.5M |
| Dental | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 532 | $620K |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 532 | $620K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 532 | $620K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 532 | $620K |
| Prescription drug | HOMETOWN HEALTH | 481 | $2.5M |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 532 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.