| 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 | $2K | $11K | $13K | 3.36% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 14.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $384 | $0 | $384 | 4.87% |
| PATRICK J SULLIVAN3 Filed as: PATRICK J. SULLIVAN | 36 DESERT HIGHLAND SOUTH DRIVE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | $0 | $105 | 1.33% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE R. MARTINEZ AND OTHER AGENTS | 4625 SOUTH POLARIS AVENUE SUITE 212 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | $0 | $73 | 0.92% |
| PATRICK J SULLIVAN3 Filed as: PATRICK J. SULLIVAN | 36 DESERT HIGHLAND SOUTH DRIVE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 0.82% |
| DEBORAH L SENN3 Filed as: DEBORAH L. SENN | 5846 FALLING STREAM AVENUE LAS VEGAS, NV 89131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.81% |
| MARTIN J LEWIS3 Filed as: MARTIN J. LEWIS | 900 NORTH KINSBURY STREET APARTMENT 823 CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.46% |
| SIMON B REYES3 Filed as: SIMON B. REYES | 724 AMBER HILLS DRIVE LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.42% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | LEGAL CLUB OF AMERICA | $162 | $0 | $162 | 18.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC. | UNKNOWN LAS VEGAS, NV 89106 | LEGAL CLUB OF AMERICA | $81 | $0 | $81 | 9.04% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 417 | $398K |
| Dental | AETNA LIFE INSURANCE COMPANY | 417 | $398K |
| Vision | AETNA LIFE INSURANCE COMPANY | 417 | $398K |
| Life insurance | STANDARD INSURANCE COMPANY | 132 | $39K |
| Short-term disability | STANDARD INSURANCE COMPANY | 132 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 132 | $39K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 417 | $398K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 132 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.