| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN M. LEBEDOFF3 | 3495 LAKESIDE DRIVE PMB 228 RENO, NV 89509 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 4.57% |
| STEVEN M. LEBEDOFF3 | 6061 TORRINGTON DRIVE RENO, NV 89511 | SUTTER HEALTH PLUS | $26K | — | $26K | 5.50% |
| STEVEN M. LEBEDOFF3 | 6061 TORRINGTON DRIVE RENO, NV 89511 | WESTERN HEALTH ADVANTAGE | $20K | — | $20K | 4.98% |
| STEVEN M. LEBEDOFF3 | 6061 TORRINGTON DRIVE RENO, NV 89511 | GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.55% |
| STEVEN M. LEBEDOFF3 | 3495 LAKESIDE DRIVE PMB 228 RENO, NV 89509 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 7.55% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 6.65% |
| STEVEN M. LEBEDOFF3 | 3495 LAKESIDE DRIVE PMB 228 RENO, NV 89509 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.89% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.60% |
| STEVEN M. LEBEDOFF3 | 3495 LAKESIDE DRIVE PMB 228 RENO, NV 89509 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.95% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $965 | — | $965 | 6.81% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 75 | $1.4M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 148 | $137K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 148 | $137K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 193 | $133K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 148 | $96K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 193 | $110K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 75 | $957K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.