| 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 | $42K | $0 | $42K | 3.07% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 784 SPRINGFIELD, OR 97477 | STANDARD INSURANCE COMPANY | $19K | $23K | $42K | 7.92% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $3K | $21K | 16.35% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC. | PO BOX 29 SPRINGFIELD, OR 97477 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KPD INSURANCE INC | PO BOX 784 SPRINGFIELD, OR 97477 | STANDARD INSURANCE COMPANY | $13K | $14K | $27K | 41.63% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $652 | $8K | 13.67% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP | 2801 COHO STREET, SUITE 200 MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $2K | $0 | $2K | 3.50% |
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 | 1,790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 277 | $1.4M |
| Dental(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 386 | $1.5M |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 386 | $1.5M |
| Life insurance(4 contracts, 4 carriers) | HEALTH PLAN OF NEVADA | 1,265 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,265 | $658K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,265 | $528K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 277 | $1.4M |
| Other(4 contracts, 4 carriers) | HEALTH PLAN OF NEVADA | 1,265 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,265 | — |
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.