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 | — | $152K |
| BENESYS INC. EIN 38-2383171 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $52K |
| PHC OF NV INC DBA HARMONY HEALTHCAR EIN 04-3290453 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $32K |
| CHRISTENSEN JAMES & MARTIN, CHTD EIN 88-0330040 NONE | Legal; Direct payment from the plan Service code 29 | — | $30K |
| IRON MOUNTAIN, INC. EIN 23-2588479 NONE | Other fees; Direct payment from the plan Service code 50 | — | $17K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $16K |
| MARSH & MCLENNAN COMPANIES, INC. EIN 36-2668272 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $16K |
| NORTHWEST PLAN SERVICES EIN 91-2090931 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $14K |
| SMART SOURCE EIN 30-0830429 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $11K |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HEALTH PLAN OF NEVADA | 921 | $4.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 552 | $272K |
| Vision | VISION SERVICE PLAN | 336 | $51K |
| Prescription drug | HEALTH PLAN OF NEVADA | 921 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 921 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.