| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, LLC | 8345 WEST SUNSET ROAD, SUITE 210 LAS VEGAS, NV 89113 | HEALTH PLAN OF NEVADA | $50K | $17K | $67K | 2.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 375 EAST WARM SPRINGS ROAD SUITE 201 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA | $34K | $11K | $46K | 1.63% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, INC. | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.39% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.38% |
| APBENEFIT ADVISORS LLC3 Filed as: APBENEFIT ADVISORS, LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $800 | $0 | $800 | 0.32% |
| BARRETT INSURANCE SERVICES LLC3 Filed as: BARRETT INSURANCE SERVICES, LLC | 2929 COAST LINE COURT LAS VEGAS, NV 89117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $84 | $0 | $84 | 0.03% |
| BARRETT INSURANCE SERVICES LLC3 Filed as: BARRETT INSURANCE SERVICES, LLC | 8945 WEST RUSSELL ROAD, SUITE 180 LAS VEGAS, NV 89148 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.09% |
| L/P INSURANCE SERVICES3 Filed as: L/P INSURANCE SERVICES, INC. | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.47% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | VISION SERVICE PLAN | $648 | $0 | $648 | 1.59% |
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 | 764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 764 | $2.8M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 610 | $248K |
| Vision(2 contracts) | VISION SERVICE PLAN | 428 | $83K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 610 | $248K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 610 | $248K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 610 | $248K |
| Prescription drug | HEALTH PLAN OF NEVADA | 764 | $2.8M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 610 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.