| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | HEALTH PLAN OF NEVADA | $50K | $21K | $71K | 3.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 101 SUMMIT AVENUE, SUITE 600 FORT WORTH, TX 76102 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 8.40% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 COCKEYSVILLE, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 1.29% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 1.24% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 1.03% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | UNITEDHEALTHCARE INSURANCE COMPANY | $490 | $0 | $490 | 0.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 5985 HOME GARDENS DRIVE, SUITE A RENO, NV 89502 | UNITEDHEALTHCARE INSURANCE COMPANY | $57 | $0 | $57 | 0.04% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.86% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $172 | $0 | $172 | 1.14% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 417 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 465 | $148K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 465 | $148K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 465 | $148K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $15K |
| Prescription drug | HEALTH PLAN OF NEVADA | 417 | $1.8M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 465 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.