| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT RESOURCE GROUP LLC3 Filed as: BENEFIT RESOURCE GROUP | ASSUREDPARTNERS OF NEVADA, LLC 5985 HOME GARDENS DRIVE SUITE A RENO, NV 89502 | HOMETOWN HEALTH | $27K | — | $27K | 3.42% |
| BENEFIT RESOURCE GROUP LLC3 | 5985 HOME GARDENS DRIVE SUITE A RENO, NV 89502 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 2.47% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | 5985 HOME GARDENS DRIVE SUITE A RENO, NV 89502 | AMERITAS LIFE INSURANCE CORP. | $909 | $833 | $2K | 2.04% |
| BENEFIT RESOURCE GROUP LLC3 | 5985 HOME GARDENS DRIVE SUITE A RENO, NV 895026276 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $14 | $2K | 12.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | 5985 HOME GARDENS DRIVE SUITE A RENO, NV 895026276 | METROPOLITAN LIFE INSURANCE COMPANY | $325 | — | $325 | 2.50% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HOMETOWN HEALTH | 106 | $803K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 257 | $85K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 257 | $85K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 57 | $13K |
| Other(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 257 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.