| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY | $4K | $18K | $22K | 2.79% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA HEALTH, INC. | $0 | $8K | $8K | 2.45% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 9.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 10.11% |
| PATRICK J SULLIVAN3 Filed as: PATRICK J. SULLIVAN | 36 HIGHLAND S DRIVE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 6.62% |
| MARTIN J LEWIS3 Filed as: MARTIN J. LEWIS | PO BOX 80792 LAS VEGAS, NV 89180 | CONTINENTAL AMERICAN INSURANCE COMPANY | $616 | $0 | $616 | 1.41% |
| DEBORAH L SENN3 Filed as: DEBORAH L. SENN | 5846 FALLING STREAM AVENUE LAS VEGAS, NV 89131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $599 | $0 | $599 | 1.37% |
| MJ INSURANCE3 Filed as: SIMON REYES AND VARIOUS AGENTS | 724 AMBER HILLS DRIVE LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $576 | $0 | $576 | 1.32% |
| SAHAR QABAZARD3 | UNKNOWN LAS VEGAS, NV 89106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $466 | $0 | $466 | 1.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC. | 2603 W CHARLESTON BOULEVARD LAS VEGAS, NV 89102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $454 | $0 | $454 | 1.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN | UNKNOWN LAS VEGAS, NV 89106 | LEGAL CLUB OF AMERICA | $1K | $0 | $1K | 27.47% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | UNKNOWN LAS VEGAS, NV 89106 | LEGAL CLUB OF AMERICA | $615 | $0 | $615 | 14.36% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 257 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 257 | $790K |
| Vision | AETNA LIFE INSURANCE COMPANY | 257 | $790K |
| Life insurance | STANDARD INSURANCE COMPANY | 132 | $80K |
| Short-term disability | STANDARD INSURANCE COMPANY | 132 | $80K |
| Long-term disability | STANDARD INSURANCE COMPANY | 132 | $80K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 257 | $1.1M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 132 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.