| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A AND H INSURANCE INC.3 | 3301 S VIRGINIA STREET RENO, NV 89502 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 4.00% |
| A AND H INSURANCE INC.3 | 3301 S VIRGINIA STREET RENO, NV 89502 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 3.67% |
| A AND H INSURANCE INC.3 | 3301 S VIRGINIA STREET RENO, NV 89502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.71% |
| A AND H INSURANCE INC.3 | 3301 S VIRGINIA STREET RENO, NV 89502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.23% |
| A AND H INSURANCE INC.3 | 3301 S VIRGINIA STREET RENO, NV 89502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.22% |
| A AND H INSURANCE INC.3 | 3301 S VIRGINIA STREET RENO, NV 89502 | PREMIER ACCESS INSURANCE COMPANY | $1K | — | $1K | 9.23% |
| A AND H INSURANCE INC.3 | 3301 S VIRGINIA STREET RENO, NV 89502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $598 | — | $598 | 9.99% |
| A AND H INSURANCE INC.3 | 3301 S VIRGINIA STREET RENO, NV 89502 | MUTUAL OF OMAHA INSURANCE COMPANY | $368 | — | $368 | 14.98% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.1M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 257 | $88K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 225 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $42K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
No prospect flags tripped on this filing.