| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, INC. | W. RUSSELL RD, SUITE 180 RENO, NV 895011586 | HEALTH PLAN OF NEVADA, INC./SIERRA HEALTH & LIFE | $30K | — | $30K | 3.37% |
| BARRETT INSURANCE SERVICES LLC3 Filed as: BARRETT INSURANCE SERVICES, LLC | W. RUSSELL RD, SUITE 180 LAS VEGAS, NV 89148 | HEALTH PLAN OF NEVADA, INC./SIERRA HEALTH & LIFE | $9K | — | $9K | 1.07% |
| L P INS SERVICES INC3 | 300 E 2ND ST STE 1300 RENO, NV 895011586 | METLIFE | $4K | $1K | $5K | 4.54% |
| BARRETT INSURANCE SERVICES LLC3 Filed as: BARRETT INSURANCE SERVICES, LLC | W. RUSSELL RD, SUITE 180 LAS VEGAS, NV 89148 | METLIFE | $2K | — | $2K | 1.62% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, INC. | 300 E 2ND ST STE 1300 RENO, NV 895011586 | VISION SERVICE PLAN | $821 | — | $821 | 4.63% |
| BARRETT INSURANCE SERVICES LLC3 Filed as: BARRETT INSURANCE SERVICES, LLC | W. RUSSELL RD, SUITE 180 LAS VEGAS, NV 89148 | VISION SERVICE PLAN | $204 | — | $204 | 1.15% |
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 | 321 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA, INC./SIERRA HEALTH & LIFE | 200 | $889K |
| Dental | METLIFE | 321 | $116K |
| Vision | VISION SERVICE PLAN | 147 | $18K |
| Life insurance | METLIFE | 321 | $116K |
| Short-term disability | METLIFE | 321 | $116K |
| Other | METLIFE | 321 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.