| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | HOMETOWN HEALTH | $55K | $0 | $55K | 2.28% |
| MICHAEL F DILLON JR3 Filed as: MICHAEL E DOLAN INSURANCE | 3855 WARREN WAY RENO, NV 89509 | HOMETOWN HEALTH | $17K | $0 | $17K | 0.69% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE, APARTMENT 3A BAY ST LOUIS, MS 39520 | AMERITAS LIFE INSURANCE CORPORATION | $19K | $0 | $19K | 6.00% |
| DOLAN AUTO INSURANCE, LLC3 Filed as: DOLAN, BRADEN, THOMAS | 2100 KIETZKE LANE RENO, NV 89502 | AMERITAS LIFE INSURANCE CORPORATION | $13K | $0 | $13K | 4.00% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE, SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | $0 | $29K | 9.48% |
| DOLAN AUTO INSURANCE, LLC3 | 2100 KIETZKE LANE RENO, NV 89502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.62% |
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 | 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 | 486 | $2.4M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,150 | $314K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,150 | $314K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 481 | $304K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 481 | $304K |
| Prescription drug | HOMETOWN HEALTH | 486 | $2.4M |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 481 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,150 | — |
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.