| 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 | $41K | $14K | $55K | 4.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $6K | $12K | 12.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES | PO BOX 62889 VIRGINA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 27.64% |
| MICHAEL F IVES3 | 6127 S. RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 24.86% |
| STEVE D SERVI3 Filed as: STEVE DAVID SERVI | 320 ONYX CREST ST. LAS VEGAS, NV 89109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $419 | $0 | $419 | 2.40% |
| LAURENCE EMILE RAY3 | 3111 BEL AIR DR. UNIT 15C LAS VEGAS, NV 89118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.37% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 206 | $1.2M |
| Dental | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 206 | $1.2M |
| Vision | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 206 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $115K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $115K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $97K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 206 | $1.2M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.