| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L/P INSURANCE SERVICES3 | 6275 NEIL ROAD, 3RD FLOOR RENO, NV 89511 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $0 | $20K | 3.64% |
| LP INSURANCE SERVICE INC.3 Filed as: LP INSURANCE SERVICE INC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.08% |
| LP INSURANCE SERVICE INC.3 Filed as: LP INSURANCE SERVICE INC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 8.05% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 99 | $841K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $18K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 99 | $841K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.