See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 6 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RUBINBROWN LLP EIN 43-0765316 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $107K |
| NORTHWEST PLAN SERVICES EIN 91-2090931 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $84K |
| BENESYS INC. EIN 38-2383171 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $58K |
| PHC OF NV INC DBA HARMONY HEALTHCAR EIN 04-3290453 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $29K |
| CHRISTENSEN JAMES & MARTIN, CHTD EIN 88-0330040 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| IRON MOUNTAIN, INC. EIN 23-2588479 NONE | Direct payment from the plan; Other services Service code 49 | — | $24K |
| SMART SOURCE EIN 30-0830429 NONE | Direct payment from the plan; Participant communication; Copying and duplicating Service code 36 | — | $9K |
| BMO BANK NA EIN 36-2085229 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $8K |
| MARSH & MCLENNAN COMPANIES, INC. EIN 36-2668272 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $7K |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH PLAN OF NEVADA | 892 | $4.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 543 | $255K |
| Vision | VISION SERVICE PLAN | 329 | $49K |
| Prescription drug | HEALTH PLAN OF NEVADA | 892 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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 plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
The filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported. Worth a call.