| 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 | Participant communication; Other services; Contract Administrator; Custodial (other than securities); Recordkeeping and information management (computing, tabulating, data processing, etc.); Named fiduciary; Direct payment from the plan; Claims processing Service code 12 | 2250 SOUTH RANCHO DRIVE, LAS VEGAS, NV 89102 | $444K |
| NEVADA HEALTH SOLUTIONS CONSULTANT | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | PO BOX 61440 702-216-1653 LAS VEGAS, NV 89160 | $94K |
| NOVARA TESIJA & CATENACCI, P.L.L.C EIN 38-3763096 ATTORNEY | Legal Service code 29 | 2000 TOWN CENTER, 2370 SOUTHFIELD, MI 48075 | $78K |
| RAEL & LETSON EIN 94-2602731 CONSULTANT | Actuarial; Consulting (general) Service code 11 | 35 NO. LAKE AVE, SUITE810 PASADENA, CA 91101 | $60K |
| RUBINBROWN EIN 43-0765316 PAYROLL AUDITOR/CONSULTNT | Accounting (including auditing) Service code 10 | 7881 WEST CHARLESTON BLVD LAS VEGAS, NV 89117 | $42K |
| NEPC, LLC EIN 86-1323040 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 224 N PARK AVE FREMONT, NE 68025 | $32K |
| LAYTON LAYTON & TOBLER LLP EIN 88-0176927 AUDITOR | Accounting (including auditing) Service code 10 | 606 SOUTH NINTH STREET LAS VEGAS, NV 891017013 | $22K |
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 | 648 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LIBERTY DENTAL | 375 | $403K |
| Vision | VISION SERVICE PLAN | 375 | $109K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 375 | $34K |
| Prescription drug | SAV-RX | 375 | $505K |
| Stop-loss / reinsurancereinsurance | CENTERSTONE INSURANCE AND FINANCING | 375 | $864K |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 375 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.