| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAEL & LETSON4 | 35 N LAKE AVE STE 810 PASADENA, CA 91101 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Recordkeeping and information management (computing, tabulating, data processing, etc.); Custodial (other than securities); Other services; Participant communication; Account maintenance fees Service code 12 | 2250 SOUTH RANCHO DRIVE, LAS VEGAS, NV 89102 | $369K |
| NOVARA TESIJA & CATENACCI, P.L.L.C EIN 38-3763096 ATTORNEY | Legal Service code 29 | 2000 TOWN CENTER, 2370 SOUTHFIELD, MI 48075 | $88K |
| RAEL & LETSON EIN 94-2602731 CONSULTANT | Actuarial; Consulting (general) Service code 11 | 35 NO. LAKE AVE, SUITE810 PASADENA, CA 91101 | $71K |
| INNOVATIVE COST MANAGEMENT CONSULTANT | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $35K |
| LAYTON LAYTON & TOBLER LLP EIN 88-0176927 AUDITOR | Accounting (including auditing) Service code 10 | 606 SOUTH NINTH STREET LAS VEGAS, NV 891017013 | $26K |
| THE URBAN LAW FIRM EIN 75-2986189 COLLECTION ATTORNEY | Legal Service code 29 | 4270 SOUTH DECATUR BLVD. LAS VEGAS, NV 891036802 | $23K |
| RUBINBROWN EIN 43-0765316 PAYROLL AUDITOR/CONSULTNT | Consulting (general); Accounting (including auditing) Service code 10 | 7881 WEST CHARLESTON BLVD LAS VEGAS, NV 89117 | $17K |
| GUS HG SAND ASSOC. EIN 81-0350794 PAYROLL AUDITOR | Accounting (including auditing) Service code 10 | P. O. BOX 68 SUN RIVER, MT 59483 | $14K |
| MILLER, KAPLAN & ARASE CLAIMS AUDITOR | Accounting (including auditing) Service code 10 | — | $0 |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NEVADA DENTAL BENEFITS, LTD. | 450 | $285K |
| Vision | VISION SERVICE PLAN | 475 | $77K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 460 | $704K |
| Prescription drug | SAV-RX | 460 | $664K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 460 | $704K |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 460 | $838K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.