| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE, INC. | PO BOX 784 SPRINGFIELD, OR 97477 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $40K | — | $40K | 3.11% |
| GRIFFIN, STEVEN, RAY3 Filed as: GRIFFIN, STEVEN RAY | 2000 MORRIS AVE, STE. 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $162K | $49K | $212K | 76.20% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 784 SPRINGFIELD, OR 97477 | STANDARD INSURANCE COMPANY | $6K | $6K | $12K | 6.14% |
| GRIFFIN, STEVEN, RAY3 Filed as: GRIFFIN, STEVEN RAY | 2000 MORRIS AVE, STE. 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $100K | $17K | $117K | 78.39% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 784 SPRINGFIELD, OR 97477 | STANDARD INSURANCE COMPANY | $4K | $4K | $7K | 6.16% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP | 2801 COHO ST., STE. 200 MADISON, WI 537134531 | UNITY HEALTH PLANS INSURANCE CORPORATION | $2K | — | $2K | 2.82% |
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 | 1,680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 283 | $1.4M |
| Dental | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 283 | $1.3M |
| Vision | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 283 | $1.3M |
| Life insurance(3 contracts, 3 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 1,045 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 950 | $1.6M |
| Long-term disability | STANDARD INSURANCE COMPANY | 896 | $189K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 283 | $1.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 896 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.