| 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 | $300K | $86K | $386K | 4.51% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES LLC | 300 E 2ND ST STE 1300 RENO, NV 895011586 | ANTHEM BCBS - HMO COLORADO (G1522) | $161K | — | $161K | 7.98% |
| L P INS SERVICES INC3 | 300 E 2ND ST STE 1300 RENO, NV 895011586 | METROPOLITAN LIFE INSURANCE COMPANY | $160K | — | $160K | 11.36% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES LLC | 300 E 2ND ST STE 1300 RENO, NV 895011586 | ANTHEM BCBS - ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE INC (G1525) | — | — | $0 | 0.00% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES LLC | 300 E 2ND ST STE 1300 RENO, NV 895011586 | ANTHEM BCBS - ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE INC (G1525) | — | — | $0 | 0.00% |
| L P INS SERVICES INC3 | 300 E 2ND ST STE 1300 RENO, NV 895011586 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | — | $32K | 20.63% |
| L P INS SERVICES INC3 | 300 E 2ND ST STE 1300 RENO, NV 895011586 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 20.67% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES LLC | 300 E 2ND ST STE 1300 RENO, NV 895011586 | ANTHEM BCBS - ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE INC (G1525) | — | — | $0 | 0.00% |
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 | 3,122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HEALTH PLAN OF NV/SIERRA HEALTH & LIFE | 4,893 | $11.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,296 | $1.6M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,296 | $1.4M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,137 | $1.5M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,137 | $1.6M |
| Prescription drug | HEALTH PLAN OF NV/SIERRA HEALTH & LIFE | 2,683 | $8.6M |
| Other(4 contracts, 2 carriers) | ANTHEM BCBS - HMO COLORADO (G1522) | 4,893 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,893 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.