| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES LLC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | HEALTH PLAN OF NEVADA | $267K | $103K | $369K | 3.54% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES LLC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | ANTHEM LIFE INSURANCE COMPANY | $56K | $11K | $66K | 10.68% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES LLC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 11.50% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES LLC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.42% |
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 | 1,168 | 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) | 1,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 1,959 | $10.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,027 | $556K |
| Vision | VISION SERVICE PLAN | 1,081 | $104K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,168 | $623K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,168 | $623K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,168 | $623K |
| Prescription drug | HEALTH PLAN OF NEVADA | 1,959 | $10.4M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 1,168 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,027 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.