| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 8360 W SAHARA AVE STE. 110 LAS VEGAS, NV 89117 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $47K | $16K | $63K | 4.83% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $16K | 19.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES | PO BOX 62889 VIRGINA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.51% |
| MICHAEL F IVES3 | 6127 S. RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 12.10% |
| LAURENCE EMILE RAY3 | 3111 BEL AIR DR. UNIT 15C LAS VEGAS, NV 89118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $493 | — | $493 | 2.51% |
| STEVE D SERVI3 Filed as: STEVE DAVID SERVI | 320 ONYX CREST ST. LAS VEGAS, NV 89109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283 | — | $283 | 1.44% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 208 | $1.3M |
| Dental | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 208 | $1.3M |
| Vision | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 208 | $1.3M |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 23 | $20K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 23 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $85K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 208 | $1.3M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 23 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.