| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES | 6275 NEIL ROAD 3RD FLOOR RENO, NV 89511 | KAISER FOUNDATION HEALTH PLANS INC. - NORTHERN CA REGION | $16K | — | $16K | 3.43% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES | 300 E 2ND STREET SUITE 1300 RENO, NV 89501 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $6K | — | $6K | 2.14% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES | 6275 NEIL ROAD 3RD FLOOR RENO, NV 89511 | KAISER FOUNDATION HEALTH PLANS INC. - SOUTHERN CA REGION | $4K | — | $4K | 4.08% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES | 300 EAST 2ND STREET SUITE 1300 RENO, NV 89501 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 4.94% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES | 300 E 2ND STREET SUITE 1300 RENO, NV 89501 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 8.20% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLANS INC. - NORTHERN CA REGION | 100 | $836K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 93 | $60K |
| Vision | UNION SECURITY INSURANCE COMPANY | 116 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.