No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RUBINBROWN LLP EIN 43-0765316 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $107K |
| NORTHWEST PLAN SERVICES EIN 91-2090931 NONE | Direct payment from the plan; Consulting (general); Actuarial 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 | Other services; Direct payment from the plan Service code 49 | — | $24K |
| SMART SOURCE EIN 30-0830429 NONE | Copying and duplicating; Participant communication; Direct payment from the plan 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 >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.