No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RUBINBROWN LLP EIN 43-0765316 NONE | Accounting (including auditing) Service code 10 | — | $107K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $63K |
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Contract Administrator Service code 13 | — | $45K |
| PHC OF NEVADA INC. EIN 04-3290453 NONE | Consulting (general) Service code 16 | — | $29K |
| CHRISTENSEN JAMES & MARTIN, CHTD EIN 88-0330040 NONE | Legal; Direct payment from the plan; Other services Service code 29 | — | $23K |
| HEALTH MANAGEMENT SYSTEMS, INC NONE | Consulting (general) Service code 16 | 5615 HIGH POINT DRIVE IRVING, TX 75038 | $14K |
| BMO HARRIS BANK NA EIN 36-2085229 NONE | Custodial (securities) Service code 19 | — | $14K |
| MARSH & MCLENNAN AGENCY, LLC EIN 36-1436000 NONE | Insurance agents and brokers Service code 22 | — | $12K |
| MILLIMAN ADVISORS, LLC EIN 91-0675641 NONE | Investment advisory (plan) Service code 27 | — | $10K |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 904 | $3.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 504 | $245K |
| Vision | VISION SERVICE PLAN | 341 | $45K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 818 | $18K |
| Prescription drug | HEALTH PLAN OF NEVADA | 904 | $3.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 818 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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.
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.