| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA INSURANCE AGENCY3 | 11411 SOUTHERN HIGHLANDS PARKWAY SUITE 320 LAS VEGAS, NV 89141 | UNITEDHEALTHCARE INSURANCE COMPANY | $114K | — | $114K | 4.52% |
| DELTA INSURANCE AGENCY3 | 11411 SOUTHERN HIGHLANDS PARKEWAY LAS VEGAS, NV 89141 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $1K | $12K | 7.93% |
| MASSI INS SERVICES INC3 | 2880 BICENTENNIAL PARKWAY SUITE 100 HENDERSON, NV 89044 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.34% |
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 | 583 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 583 | $2.5M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 491 | $147K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 491 | $147K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 491 | $147K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 491 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.