| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES LLC | 8345 W SUNSET RD 210 LAS VEGAS, NV 89113 | HEALTH PLAN OF NV/SIERRA HEALTH & LIFE | $144K | $36K | $180K | 3.99% |
| LAYNE INSURANCE SERVICES LLC3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | AETNA | $174K | — | $174K | 4.13% |
| L P INS SERVICES INC3 | 300 E 2ND ST STE 1300 RENO, NV 895011586 | METROPOLITAN LIFE INSURANCE COMPANY | $111K | — | $111K | 5.83% |
| LAYNE INSURANCE SERVICES LLC3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | METROPOLITAN LIFE INSURANCE COMPANY | $103K | $32 | $103K | 5.44% |
| LAYNE INSURANCE SERVICES LLC3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | AETNA | $62K | — | $62K | 4.18% |
| L P INS SERVICES INC3 | 300 E 2ND ST STE 1300 RENO, NV 895011586 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 19.81% |
| LAYNE INSURANCE SERVICES LLC3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $32 | $14K | 7.23% |
| L P INS SERVICES INC3 | 300 E 2ND ST STE 1300 RENO, NV 895011586 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 21.88% |
| LAYNE INSURANCE SERVICES LLC3 | 8275 S EASTERN AVE STE 200 LAS VEGAS, NV 89123 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $32 | $8K | 7.23% |
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 | 1,567 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | HEALTH PLAN OF NV/SIERRA HEALTH & LIFE | 2,454 | $10.5M |
| Dental(2 contracts, 2 carriers) | AETNA | 2,885 | $6.1M |
| Vision(2 contracts, 2 carriers) | AETNA | 2,885 | $6.1M |
| Life insurance(2 contracts, 2 carriers) | AETNA | 2,885 | $6.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,885 | $1.9M |
| Prescription drug(3 contracts, 2 carriers) | HEALTH PLAN OF NV/SIERRA HEALTH & LIFE | 2,454 | $10.2M |
| Other(3 contracts, 2 carriers) | AETNA | 2,885 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,885 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.