| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYNE INSURANCE SERVICES LLC3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | AETNA | $21K | $316K | $337K | 5.02% |
| LAYNE INSURANCE SERVICES LLC3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | AETNA | — | $112K | $112K | 4.67% |
| LAYNE INSURANCE SERVICES LLC3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | METROPOLITAN LIFE INSURANCE COMPANY | $210K | $2K | $212K | 11.05% |
| LAYNE INSURANCE SERVICES LLC3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | — | $36K | 19.10% |
| LAYNE INSURANCE SERVICES LLC3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $833 | $20K | 20.34% |
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 | 1,683 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA | 2,080 | $11.0M |
| Dental(4 contracts, 2 carriers) | AETNA | 2,080 | $8.9M |
| Vision(4 contracts, 2 carriers) | AETNA | 2,080 | $8.9M |
| Life insurance(4 contracts, 2 carriers) | AETNA | 2,080 | $8.9M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,683 | $2.2M |
| Prescription drug(2 contracts) | AETNA | 2,080 | $9.1M |
| Other(4 contracts, 2 carriers) | AETNA | 2,080 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,080 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.