| 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 | $21K | — | $21K | 3.95% |
| STEVEN M. LEBEDOFF3 | 3495 LAKESIDE DR PMB 228 RENO, NV 89509 | SUTTER HEALTH PLUS | $24K | — | $24K | 5.50% |
| STEVEN M. LEBEDOFF3 | 3495 LAKESIDE DR PMB 228 RENO, NV 89509 | WESTERN HEALTH ADVANTAGE | $21K | — | $21K | 4.99% |
| STEVEN M. LEBEDOFF3 | 3495 LAKESIDE DRIVE PMB 228 RENO, NV 89509 | STARMOUNT LIFE INSURANCE COMPANY | $14K | — | $14K | 10.23% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | STARMOUNT LIFE INSURANCE COMPANY | $10K | — | $10K | 7.52% |
| STEVEN M. LEBEDOFF3 | 3495 LAKESIDE DRIVE PMB 228 RENO, NV 89509 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.17% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.64% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 79 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 170 | $134K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 170 | $134K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $50K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 79 | $970K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.