| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | HEALTH PLAN NEVADA | $41K | — | $41K | 2.97% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | STANDARD INSURANCE COMPANY | $3K | $2K | $5K | 3.05% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $2K | $18K | 11.98% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | VISION SERVICE PLAN | $1K | — | $1K | 4.92% |
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 06034 | KANAWHA INSURANCE COMPANY | $552 | — | $552 | 5.81% |
| CLARK & ASSOCIATES3 Filed as: CLARK AND ASSOCIATES OF NEVEDA INC. | 9425 DOUBLE R BOULEVARD, SUITE F RENO, NV 89521 | KANAWHA INSURANCE COMPANY | $151 | — | $151 | 1.59% |
| CLARK & ASSOCIATES3 Filed as: CLARK AND ASSOCIATES OF NV, INC. | 730 SANDHILL, SUITE 250 RENO, NV 89521 | KANAWHA INSURANCE COMPANY | $33 | — | $33 | 0.35% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN NEVADA | 390 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 315 | $175K |
| Vision | VISION SERVICE PLAN | 319 | $26K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 285 | $159K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 285 | $150K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 285 | $150K |
| Prescription drug | HEALTH PLAN NEVADA | 390 | $1.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 285 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.