| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $918K | — | $918K | 4.30% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INSURANCE AGENCY, INC. | — | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 2.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY | — | ANGLE INSURANCE COMPANY OF UTAH | $65K | — | $65K | 4.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $122K | — | $122K | 10.82% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC | — | METROPOLITAN LIFE INSURANCE COMPANY | $223K | — | $223K | 21.39% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 2.72% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $56K | — | $56K | 21.32% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY LTD | — | NATIONAL GUARDIAN LIFE INSURANCE | $10K | — | $10K | 20.55% |
| ACAP HEALTH CONSULTING LLC3 | — | NATIONAL GUARDIAN LIFE INSURANCE | $2K | — | $2K | 3.45% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 14.73% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS AGENCY INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $197 | — | $197 | 14.98% |
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 | 8,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 6,883 | $26.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,867 | $1.1M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,867 | $1.6M |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,867 | $1.1M |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 4,353 | $21.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,867 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,883 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.