| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES INC | 300 E. SECOND STREET, STE 1300 RENO, NV 89501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | — | $72K | 10.65% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES INC | 300 E. SECOND STREET, STE 1300 RENO, NV 89501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 10.66% |
| LP INSURANCE SERVICES, INC. Filed as: LP INSURANCE SERVICES INC | 300 E. SECOND STREET, STE 1300 RENO, NV 89501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 6.11% |
| LP INSURANCE SERVICES, INC. Filed as: LP INSURANCE SERVICES INC | 300 E. SECOND STREET, STE 1300 RENO, NV 89501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.70% |
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 | 4,753 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN (VSP) | 4,311 | $440K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,523 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,523 | $672K |
| Stop-loss / reinsurancereinsurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,805 | $682K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,523 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,523 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.